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How can I cancel or remove the escrow account used for payment of property taxes/insurance for my mo

To request removal of the escrow account, complete this form and return it to us by email or mail. Once we receive your request, we will review and notify you in writing if the account meets the eligibility criteria to have the escrow account removed. Please continue to make the escrow payment until you receive confirmation of the escrow account removal.  Learn more in our Escrow Education Center.

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How can I setup an Escrow Account?

You can request to set up an escrow account to pay both taxes and insurance, or only taxes or only insurance.    To request an escrow account, email us at CustomerCare@MortgageFamily.com with a copy of your current annual insurance premium notice and/or tax statements. Please specify in your email if you would like to set up escrow for only taxes, insurance, or both. This will help us review your request appropriately.  Next Steps:   When we receive your request, we...

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How can I contact PHH Mortgage's Insurance Department?

For any questions about your insurance policy information, please contact our Insurance Department at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm ET and Saturday from 8:00 am to 5:00 pm ET.

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Who do I contact for questions about my insurance policy?

If you have any questions about your insurance policy, please contact our Insurance Department directly at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm and Saturday from 8:00 am to 5:00 pm ET.

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How do I provide my insurance policy information?

You can upload the insurance policy information to our MyCoverage website here or email it to MortgageFamily@MyCoverageInfo.com. You can also fax the information to 1-937-525-4210.

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I recently got a letter stating that I need flood insurance. Why did I get this letter?

The Federal Emergency Management Agency (FEMA) publishes a Flood Insurance Rate Map. A change in the flood zone determination for your community indicated that the property lies on a flood plain.

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Do I have to be escrowed for flood insurance?

Flood insurance requirements are established by the Federal Deposit Insurance Corporation (FDIC).  For specific information about your flood insurance coverage, please contact our Insurance Department directly at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm and Saturday from 8:00 am to 5:00 pm ET.

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If my homeowner's insurance premium has already been paid from escrow and I change insurance compani

Yes; if the account is escrowed for insurance and your new insurance provider notifies us of a new policy with an amount due, we will disburse the premium from the escrow account.  You are responsible for cancelling your previous insurance policy. If you receive a refund from the previous carrier, send it to us to apply to your escrow account.  You can upload the insurance policy information to our MyCoverage website here or email it to MortgageFamily@MyCoverageInfo.com. You can...

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I am required to have flood insurance, but I have lived in my house for years and have never been fl

Your house may be above the base flood elevation (flood level). If this is the case, you may want to file a Letter Of Map Amendment or Revision (LOMA/LOMR) with the Federal Emergency Management Agency (FEMA). While FEMA reviews the LOMA/LOMR, flood insurance is still required. If FEMA approves the LOMA/LOMR, you may not be required to maintain flood insurance or your premium may be reduced. Please note that if the property is in an "A" or "V" zone, flood insurance is...

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If my house is on a hill (above the base flood level), does this mean flood insurance is not require

If the property is in an "A" or "V" zone, flood insurance is required regardless of the elevation of the property.  If the property is not in an "A" or "V" zone, you may use elevation information to file a Letter Of Map Amendment or Revision (LOMA/LOMR) with the Federal Emergency Management Agency (FEMA). While FEMA reviews the LOMA/LOMR, flood insurance is still required. If FEMA approves the LOMA/LOMR, you may not be required to maintain flood...

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