Consumer complaint received 2020-05-07
Company: CENTERSTATE BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today, XX/XX/XXXX, I find myself in a situation where my home will once again be uninsured by no fault of my own. My home ( inherited through a will ) has been paid on time through an escrow account since the death of my father on XX/XX/XXXX. The most pressing issue that I am facing right now, is trying to find another insurance company to insure my home before XX/XX/XXXX. This is the final day that my home can be insured per XXXX ( coverage began with them in XX/XX/XXXX ). I was told by XXXX a few days ago that they will no longer insure the home because it does not have central air and heat. I am furious because I searched frantically for months to get my home insured due to the unprofessional and careless acts of Centerstate Bank and XXXX XXXX XXXX XXXX. 
To began with, the home was paid off in XX/XX/XXXX, so naturally I inquired about how to continue paying the homeowner 's insurance. It was at that time that I was told that the home had not been insured for 2 years and that CenterState Bank forced placed insurance to only cover the amount remaining on the loan. I was in complete shock as I was unaware that any of this had taken place and for soooo long. After questioning both the bank and the insurance company, I was told that they could not reach me despite several attempts. I had received no traditional mail, no phone calls nor emails from either business regarding any issues with this account. All mail according to them was returned to sender. This is unacceptable as in the few times that I have moved within 14 years, I have kept in contact with the bank to have my current address updated ; my phone number never changed. I was denied for years the opportunity to update the address on file with Centerstate Bank even though I had provided all legal/probate documentation to them. 
Centerstate Bank and XXXX XXXX XXXX is the sole reason that I am in the predicament that I am in today. I have been paying Centerstate Bank faithfully yet blindly for over a decade. They have repeatedly refused to produce upon my request any information regarding this mortgage. I was told that they can not give me any information because the loan was currently being paid under the name of the deceased. Since I received the phone call from XXXX on or around XX/XX/XXXX and the letter in the mail stating that my current insurance will canceled on XX/XX/XXXX, I have been calling different companies with no luck of getting insured. Previously when I first found out that I had no insurance, other companies would not insure me because forced placed insurance had to be applied on the loan. This in itself sends a negative message that I am not paying my bills which is definitely not the case. Presently in my search for insurance, I am being told that my home is in a high-risk area or that they are not insuring homes built prior to XXXX. 
I am requesting that the mortgage loan with Centerstate Bank and the insurance with XXXX XXXX be fully investigated from the initial time of the loan. I am also requesting that my home owners insurance is immediately and fully restored dating back to when Centerstate Bank and XXXX XXXX agreed amongst themselves to forced place it.

Company response to consumer: Closed with explanation