Insurance companies in coastal counties of Texas (e.g. Brazoria, TX) no longer offer windstorm protection, but one can still purchase homeowners insurance, windstorm and flood insurance as separate entities.
We purchased our homeowners insurance, as mandated by Citimortgage (Citi, Citicorp Mortgage), but elected not to get the windstorm or flood insurance. We were told by Citimortgage that we had to purchase Texas Windstorm insurance. However, because of our failure to acknowledge this request, CitiMortgage sent us a bill for $8,758.12 and requested payment within 10 days.
Nowhere in our policy does it specifically indicate that one must purchase 'windstorm insurance'. We have requested the following information from Citimortgage:
1. Proof of purchase of windstorm protection (company name/policy number/dates/premiums/agent)
2. State specific insurance information (state license numbers, etc.)
3. Accurate account for justification of billing
To date, Citimortgage has failed to provide these essential elements of their claim to have purchased windstorm insurance. Failure to provide this information implies: misapplication of insurance premiums, unauthorized insurance purchase, inflated billing and breaches of good faith and fair dealing.
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