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How do I file a Letter Of Map Amendment or Revision (LOMA/LOMR)?

To file a LOMA/LOMR, contact your city hall, tax assessor or zoning and planning office. You may also contact the Federal Emergency Management Agency (FEMA) at 1-800-638-6620.

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How can I contact the Federal Emergency Management Agency (FEMA)?

You can contact FEMA at 1-800-638-6620 or visit their website at www.FEMA.gov.

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How much coverage do I need 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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I have proof I am not in a required flood zone. What can I do?

You can upload the documentation to our MyCoverage website here. You can also send it by fax to 1-937-525-4210, Attn:  Flood.

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What is a loss draft check?

When a property is damaged by a natural disaster (fire, hurricane, etc.), the insurance company will inspect the property and issue a check to cover damages. This check is made payable to both the homeowner and PHH Mortgage. You must notify us of any such property damage.

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I received a loss draft check. What do I do now?

If you have filed a hazard claim and received a loss draft check, please contact our Loss Draft Department directly at 1-888-882-1815. 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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Can we remove the mortgage company name from the loss draft check?

No; PHH Mortgage must be listed on all loss draft checks.

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How can I view the mortgagee clause for my account?

To view the mortgagee clause, visit MyCoverageInfo.comand enter your account details in the search box.

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I live in Florida or California and have heard about insurance companies limiting new homeowners ins

If you have specific questions about your renewal, speak to your insurance agent or company directly. Click here to read about recent changes.

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How are my property tax bills paid?

If your account is escrowed for property taxes, your monthly mortgage payment will include funds to pay the taxes. We hold these funds in an escrow account and pay your property taxes when they are due. If your account is not escrowed for property taxes, you are responsible for paying the taxes by the due date.

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