Citimortgage
Flood Insurance Required Though Certificate Shows X Zone

CitiMortgage took over my mortgage about 5 years ago. Flood insurance was never required until now, but in November CitiMortgage sent me a letter asking me to buy flood insurance before January 1, otherwise an escrow would be set up. I hired a survey engineer to do an Elevation Certificate and planned to use it to buy flood insurance myself. When I got my survey back, it said my house is in an X zone, not in any of the flood zones that require flood insurance. I contacted my insurance agent, who reviewed the Elevation Certificate and told me that flood insurance is not required.

On December 13, I faxed the certificate and stated that my house is not in a flood zone, so the flood insurance requirement should be waived. Several days later, I received mail from CitiMortgage. One of the letters said CitiMortgage would purchase $1656.00 of flood insurance and set up an escrow account. I called CitiMortgage, and the service representative told me that I need to file a map amendment with FEMA to remove the flood insurance requirement.

I told her that I do not need to file with FEMA, since my property is not in the flood map and there is nothing to amend. She said she could not do anything, because that has to be decided by CitiMortgage's Flood Insurance Compliance department and she works in the insurance branch. I asked how I could talk to the Flood Insurance Compliance department, and I was told that I cannot. She asked me to fax to the same number again, because that department only takes faxes. On December 28, I faxed the certificate again and told them that "My property is not in flood zone." I have not received any response yet.

Company: Citimortgage
Country: USA
State: Maryland
City: Frederick
Address: 5280 Corporate Drive MC 0251
Phone: 8002837918

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