I had a mrage with Nationstar mortgage formally Centex, I was told that I had to use their insurance because I had missed one payment on my insurance. I paid their insurance and kept it like they told me to. My house was involved in the recent flooding of Missouri. He house has black mold in it and it is not liveable. The insurance company that Nationstar made me get through them told me they don't cover floods, or any kind of surface water.
To make a long story short they sent me a check for $288.06 to cover the shingles, and the drywall that fell from the ceiling that was soaked and fell from the weight of the water. They would also pay for the piece of plywood that has water damage in the roof where the water came in. It amazes me that Nationstar told me that surface water does come from the sky, but once it landed on my floor it became surface water.
Well needless to say we are in a rental home due to the extent of the mold, and my daughters asthma, Nationstar is foreclosing on me, and there's not a damn thing I can do about it - I also was way over charged for late fees at one point in our loan, for two months they charged me $456.90 in late fees.
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