Well, our zoning changed September of 09 in our area to a flood zone. We were not aware of this. AHMSI notified us right before Thanksgiving that we had to get this coverage. Alright, so we put in a call to our State Farm Rep. She told us to get an elevation certificate. So, we ordered the survey be done to get the cert. For insurance. We received the very next day after Thanksgiving a letter that was dated the day after they notified us of the zoning change that they took insurance out on us for flood. Furthermore they backdated it to August. This was even before the zoning had changed. Well, I called the mortgage company; their own employee told me he doesn't know how they could do this. He said by law FEMA gives you 45 days after being notified. I forwarded the papers to Financial Regulation to look into it. We since acquired refinancing through a new company.in these times big companies are looking ways to take advantage of us. Especially, if you're a lady or elderly. So, be careful. There is State Tax people and other Departments, usually in you phone book, which will help you not be taken advantage of. Guess they won't be getting my $700 per month interest.
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