Consumer complaint received 2018-04-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Hurricane Irma battered Florida as a category 4 storm and hit my property at XXXX XXXX XXXX XXXX XXXX, FL. We were left without power for over ten days. Tornado 's struck around my property damaging my pool, pool pump, pool heater, salt system, electronic controller, valves, and actuators. Leaving the pool inoperable. All of which had to be replaced due to Hurricane Irma. The sprinkler pump was also damaged and does not work. The air conditioner had to be replaced. My garage door does not work and the door was damaged. My XXXX grille does not work. The gutters flew off the house and into the pool leaving the water black and full of tree debris which had to be cleaned and acid washed. In the pool we also found a hydraulic leak in the jacuzzi due to the pressure from the storm surge from the lake. I have roof leaks through out all three non-master bedrooms rooms and bathroom on the south side of the home. I have leaking in my hall and hall closets that has ruined the wood floor in the closet and living room. The wood floors run throughout the house. I have wood damage in multiple rooms due to the roof leaks throughout the house caused by Hurricane Irma. The house sat for over a week with no air conditioning causing mold to develop in the drywall everywhere the roof leaked throughout the house and in the air conditioner vents due to the extremely hot summer weather. You can smell the mold when you walk into the house everyday for the past five months. I have a wife and XXXX kids and we have to breathe in these mold spores everyday. 
Ocwen Loan Servicing LLC is my loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX is my insurance carrier. 
On XX/XX/XXXX over three months after my claim of Hurricane Irma damage XXXX XXXX XXXX denied my claim # XXXX Stating that the claim # XXXX from a hurricane two years ago addressed the issue of this New Hurricane, Hurricane Irma which hit XX/XX/XXXX. Now my neighbor next door and three other neighbors on my street have all received checks from their insurance companies and have already replaced their roofs while my house continues leaking and growing mold. I have payed well over {$150000.00} for homeowners insurance on this house and if a Hurricane hits I would think that at a cost of over {$6000.00} a year for insurance, my insurance company would have to pay a claim in the event damage was caused to my house due to a hurricane. Ocwen claims that I pay insurance through my escrow account yet they call it lender placed insurance and claims it does not pay the homeowner in the event of damage to their house. Which makes absolutely no sense. XXXX XXXX XXXX has honored multiple claims for me on damage and payed tens of thousands of dollars in claims for this property over the years which is the norm when damage occurs on high end properties over time. 
I have had professional licensed contractors and roofers estimates for the the damage which totals over {$100000.00}. My contractor has given me a quote of {$88000.00}. My roofer has quoted the new roof costing {$32000.00}. Air conditioner bill of over {$20000.00}. I have spent over {$10000.00} repairing the pool equipment and have another {$10000.00} to go to fix the damage to the diamond brite and lighting system of the pool. The sprinkler system is {$2000.00}. Gutters {$2000.00} and XXXX grill {$890.00}. I appreciate any and all help you can provide in resolving these issues in an appropriate and timely manner. Thank you.

Company response to consumer: Closed with explanation