How to Get Force-Placed Insurance Removed Within 24 Hours

By Kathy Zucker • Wednesday, December 18, 2013

Thirteen months ago, most of Hoboken, NJ was underwater.

So I wasn’t terribly surprised to get a letter from my mortgage lender asking for proof of flood insurance on my Hoboken home.

I checked my records and sent in proof (again) that the building had continuous coverage. I figured that was the end of it. The next day, I received an email from TD Bank.

At that point, I started getting seriously concerned. Didn’t I read something a while ago about how mortgage lenders charge much higher rates for their proprietary flood insurance?

Even though I’ve been sending virtually identical flood insurance certificates for the last four years, I figured lenders must have heightened scrutiny after Hurricane Sandy. So I sent in proof that my address is actually my address.


And got an early Christmas present. Whew!



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Kathy_roundKathy Zucker, CEO of Metro Moms Network, mother of three young children and New York Life Keep Good Going Shorty Award winner and judge, writes about juggling career and family in an urban setting. Read her MomCondoLiving blog, follow her on Twitter (@KathyZucker), see pics on Instagram, friend her on Facebook and watch her on Youtube.



Kathy Zucker

Author: Kathy Zucker

Mom of 3. Accidental entrepreneur. Fencer. New York Life Shorty Award #KeepGoodGoing winner & judge. Helping parents & kids get to work since 2010 as Metro Moms Network CEO.

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