Exhibit Cover Sheet

Party submitting: NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING Ex.#

5

Admitted: Yes or No (circle one)

Debtor: Samuel Fitzgerald Worrell

Case No.: 21-20622-PDR

Nature of Hearing

Docket No: [DE-26]

Secured Creditor’s Motion for Relief from Stay

United States Bankruptcy Court

Southern District of Florida

Dated _____________ , 2022.

By:_____________________, Deputy Clerk

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 1 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 2 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 3 of 127
PO Box 7050 Troy MI 48007-7050

January 30, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Insured Name: SAMUEL H WORRELL DONNA L WORRELL

Property/Collateral: 7420 NW 41ST CT

LAUDERHILL, FL 33319

Dear Client:

The Flood Disaster Protection Act of 1973 requires that flood insurance be purchased and maintained 

on mortgage loans, for the life of the loan for buildings located in a Special Flood Hazard Area 

(SFHA). This applies to loans from lending institutions that are under the jurisdiction of the federal 

regulatory agency. It has been determined that your property, on which we hold the mortgage 

loan, is located in a SFHA and, therefore, you are required by law to have a flood insurance 

policy. The law defines adequate coverage to be, at a minimum, the LESSER of:

a) The outstanding principal balance of the loans secured by this property; or

b) Insurable value of the structure*; or

c) The maximum coverage available under the National Flood Insurance Program ($250,000 

for residential dwellings or $500,000 for commercial properties).

Note*: The insurable value of the building(s) on the property depends on the type of collateral 

securing the loan(s) and the payout conditions under the insurance policy. For example, 

under an NFIP flood insurance policy, if the building is your principal residence, the insurable 

value is typically the replacement cost value of the building, subject to a limit of $250,000. If 

the building is a vacation or second home where you reside less than 80% of the time, the 

insurable value is typically the actual cash value of the building, subject to a limit of $250,000. 

Actual cash value is the replacement cost value of the building minus depreciation.

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDWRN TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 4 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 5 of 127
PO Box 7050 Troy MI 48007-7050

We do not have any evidence in your mortgage loan file of you having a current flood insurance 

policy on your property. If you have already purchased flood insurance or your home is in a 

condominium or townhouse that is covered by a master policy, please send a copy of the most 

current coverage to the address above. Please have your agent include the following mortgagee 

clause on the policy: Shellpoint Mortgage Servicing, ISAOA / ATIMA. Flood insurance that provides 

the same level of coverage as a standard flood insurance policy under the NFIP may be available 

from a private insurance company that issues policies on behalf of the company. If we do not 

receive evidence of a flood insurance policy in effect on this property within the next 45 days, 

we will be required to obtain a lender-placed flood policy on your behalf. This premium may be 

paid out of your escrow account. If you do not have an escrow account, one may be set up for you 

and your payments will be adjusted accordingly. The rates may be considerably higher than those 

that you could obtain by yourself. This insurance will provide coverage for the structure only and will 

not provide coverage for your personal property, contents, or any liability. This coverage will be 

placed at the minimum coverage amount as stated above and may not be sufficient to rebuild the 

property in the case of a significant or total flood loss.

If you desire to maintain your own policy, an escrow account can be established and we can advance 

the premium due if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company; (c) agree in writing to reimburse the escrow advances through regular 

escrow payments; (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information.

Though we are authorized to take this action by federal law, it is one of last resort. We encourage you 

to secure insurance through a company of your choice. If you have already provided evidence of 

insurance in the last 7 days, please disregard this request. If you have any questions, please call us 

at (877) 491-7277. We value you as our customer and look forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDWRN TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 6 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 7 of 127
Private Flood Disclosure:

Federal law requires that a lender accept a private flood insurance policy as defined in the law. If you 

purchase a private flood insurance policy, we may be required to review the policy to determine if the 

policy is acceptable based upon the law or other guidelines.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 8 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 9 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

BROWN & BROWN - PREMIER 

PO BOX 101267 

FT LAUDERDALE FL 33310-1267

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 10 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 11 of 127
PO Box 7050 Troy MI 48007-7050

January 23, 2020

BROWN & BROWN - PREMIER

PO BOX 101267

FT LAUDERDALE, FL 33310-1267

Borrower Name: SAMUEL H WORRELL

Co-Borrower: DONNA L WORRELL

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319

Dear BROWN & BROWN - PREMIER:

This is to inform you that Shellpoint Mortgage Servicing services the 1st mortgage on the property 

referenced above. Please list the mortgagee endorsement on the policy for the referenced mortgage 

loan as follows:

Shellpoint Mortgage Servicing

ISAOA / ATIMA

PO Box 7050

Troy, MI 48007-7050

Loan Number: 0579397389

Note that ACORD forms are not accepted. Shellpoint Mortgage Servicing requires the policy 

declarations page or a copy of the full policy as evidence of insurance. To comply with the terms of 

your mortgage, please be certain that this change is applied to the policy, and mail an updated 

copy to the above address.

Your prompt response in supplying this information is very important. Our contact information is 

below. Please call today if you have difficulty providing this information, or if you have any questions.

Insurance Department

Shellpoint Mortgage Servicing

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

If your obligation for this account was previously discharged in a bankruptcy proceeding, and if the obligation was not reaffirmed, this letter is 

being sent for informational purposes only. We are not attempting to collect, recover, or offset the discharge debt as your personal liability.

MtgClausP TTY Service is available by contacting 711 02/22/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 12 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 13 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 14 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 15 of 127
PO Box 7050 Troy MI 48007-7050

March 2, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Insured Name: SAMUEL H WORRELL DONNA L WORRELL

Property/Collateral: 7420 NW 41ST CT

LAUDERHILL, FL 33319

Dear Client:

A month ago, we notified you that because your property is located in a Special Flood Hazard Area, 

federal law requires that your property be covered by a flood insurance policy. The law defines 

adequate coverage to be, at a minimum, the LESSER of:

a) The outstanding principal balance of the loans secured by this property; or

b) Insurable value of the structure*; or

c) The maximum coverage available under the National Flood Insurance Program ($250,000 

for residential dwellings or $500,000 for commercial properties).

Note*: The insurable value of the building(s) on the property depends on the type of collateral 

securing the loan(s) and the payout conditions under the insurance policy. For example, under an 

NFIP flood insurance policy, if the building is your principal residence, the insurable value is typically 

the replacement cost value of the building, subject to a limit of $250,000. If the building is a vacation 

or second home where you reside less than 80% of the time, the insurable value is typically the actual 

cash value of the building, subject to a limit of $250,000. Actual cash value is the replacement cost 

value of the building minus depreciation.

In the letter, you were notified that if we did not receive proof of an active flood policy from 

you within 45 days from that letter, we would be required to obtain a lender-placed flood 

insurance policy for you. This is to remind you that if we do not receive proof of an active 

flood policy within 15 days, we will be required to obtain a lender-placed flood insurance 

policy for your property. Please send a copy of the policy to the address above. Please have your 

agent include the following mortgagee clause on the policy: Shellpoint Mortgage Servicing, ISAOA / 

ATIMA.

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDWR2 TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 16 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 17 of 127
PO Box 7050 Troy MI 48007-7050

In the event that we have to obtain lender-placed coverage, the cost of the coverage may be 

significantly higher than the premium that could be obtained by you if you were to contact your local 

agent or carrier. The coverage we obtain will cover the structure only and will not provide coverage for 

personal property, contents or any liability coverage. This coverage will be placed at the minimum 

adequate coverage amount as stated above and may not be sufficient to rebuild the property in the 

case of a significant or total flood loss.

If you desire to maintain your own policy, an escrow account can be established and we can advance 

the premium due if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company; (c) agree in writing to reimburse the escrow advances through regular 

escrow payments; (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information. Again, we recommend that you contact your insurance agent to arrange 

for coverage. If you have already provided evidence of insurance in the last 7 days, please disregard 

this request. If you have any questions, please call us at (877) 491-7277. We value you as our 

customer and look forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDWR2 TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 18 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 19 of 127
Private Flood Disclosure:

Federal law requires that a lender accept a private flood insurance policy as defined in the law. If you 

purchase a private flood insurance policy, we may be required to review the policy to determine if the 

policy is acceptable based upon the law or other guidelines.

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 20 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 21 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 22 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 23 of 127
PO Box 7050 Troy MI 48007-7050

February 6, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Subject: Please provide insurance information for:

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear SAMUEL H WORRELL DONNA L WORRELL:

Our records show that your hazard insurance expired and we do not have evidence that you have 

obtained new coverage. Because hazard insurance is required on your property, we plan to buy 

insurance for your property. You must pay us for any period during which the insurance we buy is 

in effect but you do not have insurance. 

You should immediately provide us with your insurance information. We urge you to contact your 

insurance agent or company and have them provide us with current evidence of hazard insurance for 

your property referenced above in the form of your current insurance policy declarations page. This 

information must be provided in writing and can be faxed to our Insurance Department at (248) 878-

2370. You may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836, or mail it to the following address:

Shellpoint Mortgage Servicing

ISAOA / ATIMA

PO Box 7050

Troy, MI 48007-7050

The insurance we buy:

 May be significantly more expensive than the insurance you can buy yourself.

 May not provide as much coverage as an insurance policy you buy yourself.

WARN – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 24 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 25 of 127
PO Box 7050 Troy MI 48007-7050

If you have any questions, please contact us at (877) 491-7277.

Please review additional information provided in the same transmittal.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

WARN – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 26 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 27 of 127
PO Box 7050 Troy MI 48007-7050

SUPPLEMENTAL INFORMATION

Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any 

information obtained will be used for that purpose. To the extent that your obligation has been 

discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and 

informational purposes only and does not constitute a demand for payment or any attempt to collect 

such obligation.

Please be aware of your obligation to maintain hazard insurance on the property referenced on the 

first page of this letter that secures your federally related mortgage. We may obtain insurance 

coverage at your expense if you do not provide documentation of your existing coverage in a timely 

manner. The insurance cost may be significantly higher than the cost of insurance you can buy 

yourself. The insurance we purchase may only protect Shellpoint’s interest and not your interest.

If you desire to maintain your voluntary insurance policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company (c) agree in writing to reimburse the escrow advances through regular 

escrow payments (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law.

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 28 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 29 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 30 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 31 of 127
PO Box 7050 Troy MI 48007-7050

March 9, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Subject: Second and final notice - please provide insurance information for: 

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear SAMUEL H WORRELL DONNA L WORRELL:

This is your second and final notice that our records show that your hazard insurance has expired

and we do not have evidence that you have obtained new coverage. Because hazard insurance is 

required on your property, we plan to buy insurance for your property. You must pay us for any 

period during which the insurance we buy is in effect but you do not have insurance.

You should immediately provide us with your insurance information. We urge you to contact your 

insurance agent or company and have them provide us with current evidence of hazard insurance for 

your property referenced above in the form of your current insurance policy declarations page. This 

information must be provided in writing and can be faxed to our Insurance Department at (248) 878-

2370. You may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836, or mail it to the following address:

Shellpoint Mortgage Servicing

ISAOA / ATIMA

PO Box 7050

Troy, MI 48007-7050

The insurance we buy:

 Will cost an estimated $4,929.00 annually, which may be significantly more expensive 

than the insurance you can buy yourself.

 May not provide as much coverage as an insurance policy you buy yourself.

WARN2 – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 32 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 33 of 127
PO Box 7050 Troy MI 48007-7050

If you have any questions, please contact us at (877) 491-7277.

Please review additional information provided in the same transmittal.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

WARN2 – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 34 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 35 of 127
PO Box 7050 Troy MI 48007-7050

SUPPLEMENTAL INFORMATION

Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any 

information obtained will be used for that purpose. To the extent that your obligation has been 

discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and 

informational purposes only and does not constitute a demand for payment or any attempt to collect 

such obligation.

Please be aware of your obligation to maintain hazard insurance on the property referenced on the 

first page of this letter that secures your federally related mortgage. We may obtain insurance 

coverage at your expense if you do not provide documentation of your existing coverage in a timely 

manner. The insurance cost may be significantly higher than the cost of insurance you can buy 

yourself. The insurance we purchase may only protect Shellpoint’s interest and not your interest.

If you desire to maintain your voluntary insurance policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company (c) agree in writing to reimburse the escrow advances through regular 

escrow payments (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 36 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 37 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 38 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 39 of 127
PO Box 7050 Troy MI 48007-7050

March 18, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Insured Name: SAMUEL H WORRELL DONNA L WORRELL

Property/Collateral: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear Client:

This letter is to inform you that a lender-placed flood insurance policy has been obtained on your 

behalf. This policy will cover the above property you financed with this institution, as required by the 

Flood Protection Act of 1973.

We notified you on two previous occasions, explaining your need to have flood insurance coverage 

and explaining your options, but we have not received proof of an active flood insurance policy from 

you. As a result, we had no choice but to obtain lender-placed flood insurance for you. The cost of the 

coverage may be significantly higher than the premium that could be obtained if you were to contact 

your local agent or carrier. The coverage we placed will cover the structure only and will not provide 

personal property, contents, or any liability coverage. This coverage has been placed at the minimum 

adequate coverage amount and may not be sufficient to rebuild the property in the case of a 

significant or total flood loss.

Enclosed is the evidence of flood insurance page for the lender-placed policy purchased on your 

behalf, which explains the amount of coverage, the cost, and some limitations to the coverage. You 

may furnish us with proof of replacement coverage at any time by sending a copy of the policy to the 

address above. Should you choose to do so, we will cancel the coverage we have obtained on your 

behalf. If applicable, any refund obtained will be applied to the escrow account and will be readjusted 

to reflect the refund amount.

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDBND TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 40 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 41 of 127
PO Box 7050 Troy MI 48007-7050

If at any time you desire to maintain your own policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company; (c) agree in writing to reimburse the escrow advances through regular 

escrow payments; (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information.

If you have any questions, please call us at (877) 491-7277. We value you as our customer and look 

forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDBND TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 42 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 43 of 127
LENDER-PLACED INSURANCE

EVIDENCE OF FLOOD INSURANCE

INSURED: SAMUEL H WORRELL DONNA L WORRELL

MORTGAGEE: SHELLPOINT MORTGAGE SERVICING

ADDRESS: 75 Beattie Place, Suite 300

Greenville, SC 29601-0000

LOCATION OF 

PROPERTY INSURED: 7420 NW 41ST CT

LAUDERHILL, FL 33319

REPORTED FLOOD ZONE: AH

FLOOD ZONE: CHRA

INSURED AMOUNT: $ 250,000.00

EFFECTIVE DATE: FROM: 01/17/2020 TO: 01/17/2021

OR UNTIL CANCELLED

ANNUAL PREMIUM: $3,745.08

(This is not an invoice.) (Including applicable taxes and fees)

The insurance coverage procured through the policy referenced above has been requested by the 

Mortgagee. The policy has been issued by Hamilton Insurance DAC in respect of coverage and limits 

ordered by the Mortgagee. All coverage is subject to the terms, conditions and exclusions expressed 

in the policy and is subject to a deductible as defined by the policy.

The Evidence of Insurance is issued as a matter of information only and confers no rights upon the 

document holder. This document does not amend, extend or alter the coverage, terms, exclusions, 

conditions or other provisions afforded by the policy referenced herein.

THIS DOCUMENT IS ISSUED AS EVIDENCE OF INSURANCE ONLY. IT DOES NOT 

CONSTITUTE A LEGAL CONTRACT OF INSURANCE.

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 44 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 45 of 127
Private Flood Disclosure:

Federal law requires that a lender accept a private flood insurance policy as defined in the law. If you 

purchase a private flood insurance policy, we may be required to review the policy to determine if the 

policy is acceptable based upon the law or other guidelines.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 46 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 47 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 48 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 49 of 127
PO Box 7050 Troy MI 48007-7050

November 30, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Insured Name: SAMUEL H WORRELL DONNA L WORRELL

Property/Collateral: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear Client:

Shellpoint Mortgage Servicing will be renewing the lender-placed flood coverage issued on 

your property in approximately 45 days, as required by the loan documents and federal law.

The law defines adequate coverage to be, at a minimum, the LESSER of:

a) The outstanding principal balance of the loans secured by this property; or

b) Insurable value of the structure*; or

c) The maximum coverage available under the National Flood Insurance Program ($250,000 

for residential dwellings or $500,000 for commercial properties).

Note*: The insurable value of the building(s) on the property depends on the type of collateral 

securing the loan(s) and the payout conditions under the insurance policy. For example, under an 

NFIP flood insurance policy, if the building is your principal residence, the insurable value is typically 

the replacement cost value of the building, subject to a limit of $250,000. If the building is a vacation 

or second home where you reside less than 80% of the time, the insurable value is typically the actual 

cash value of the building, subject to a limit of $250,000. Actual cash value is the replacement cost 

value of the building minus depreciation.

The policy placed by Shellpoint Mortgage Servicing provides flood loss coverage for the structure 

only and does not provide coverage for your contents, personal property, or liability. This coverage 

will be placed at the minimum adequate coverage amount as stated above and may not be sufficient 

to rebuild the property in the case of a significant or total flood loss. This coverage will automatically 

renew each year if we do not receive evidence you have obtained your own coverage.

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDPRE TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 50 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 51 of 127
PO Box 7050 Troy MI 48007-7050

The monthly premium for the renewed insurance coverage will be charged to your escrow 

account. The premium cost may be higher than the premium for insurance you may be able to 

secure from your own sources. In addition, a policy you secure on your own may provide coverage for 

contents, personal property, and liability not covered by the lender-placed flood policy purchased for 

you by Shellpoint Mortgage Servicing. You may replace the lender-placed flood policy with a flood 

insurance policy that you purchase from an agent of your choosing. If the property is located in a 

community that participates in the NFIP flood insurance that provides the same level of coverage as a 

standard flood insurance policy under the NFIP may be available from a private insurance company 

that issues policies on behalf of the company. Please send us the declaration page of your 

replacement flood policy to the address above. Please have your agent include the following 

mortgagee clause on the policy: Shellpoint Mortgage Servicing, ISAOA / ATIMA.

If you desire to maintain your own policy, an escrow account can be established and we can advance 

the premium due if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company; (c) agree in writing to reimburse the escrow advances through regular 

escrow payments; (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information.

If you have any questions, please call us at (877) 491-7277. We value you as our customer and look 

forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDPRE TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 52 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 53 of 127
Private Flood Disclosure:

Federal law requires that a lender accept a private flood insurance policy as defined in the law. If you 

purchase a private flood insurance policy, we may be required to review the policy to determine if the 

policy is acceptable based upon the law or other guidelines.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 54 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 55 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 56 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 57 of 127
PO Box 7050 Troy MI 48007-7050

March 25, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Subject: Please provide insurance information for:

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear SAMUEL H WORRELL DONNA L WORRELL:

We have not received proof of hazard coverage on the above referenced property as required under 

the terms of your mortgage and as requested in our previous notices. Because of this, it has become 

necessary to place lender-placed insurance coverage on your property.

This policy provides limited coverage and is not comparable to a standard hazard policy. The policy 

does not provide coverage for personal property or owner’s liability to protect your interest. We 

strongly recommend that you obtain an insurance policy of your choice as soon as possible.

The premium will be charged to your escrow account. If you do not have an escrow account, one will 

be set up for you. Your monthly payments will be adjusted to cover this cost. This policy may be 

cancelled at any time by giving us proof of other acceptable insurance.

If you obtain insurance of your own choosing at any time, please provide us with a copy. Once we 

receive and review your policy, we will cancel the insurance that we purchased and credit any 

unearned premium to your escrow account.

If at any time you desire to maintain your own policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company (c) agree in writing to reimburse the escrow advances through regular 

escrow payments (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information.

BIND TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 58 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 59 of 127
PO Box 7050 Troy MI 48007-7050

If you have any questions, please call us at (877) 491-7277. We value you as our customer and look 

forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

BIND TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 60 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 61 of 127
LENDER-PLACED INSURANCE

EVIDENCE OF HAZARD INSURANCE

NAMED INSURED: SHELLPOINT MORTGAGE SERVICING

ADDRESS: 75 Beattie Place, Suite 300

Greenville, SC 29601-0000

LOCATION OF 

PROPERTY INSURED: 7420 NW 41ST CT

LAUDERHILL, FL 33319

INSURED AMOUNT: $ 300,000.00

EFFECTIVE DATE: FROM: 01/25/2020 TO: 01/25/2021

OR UNTIL CANCELLED

ANNUAL PREMIUM: $4,929.00

(This is not an invoice.) (Including applicable taxes and fees)

The insurance coverage procured through the master policy(ies) referenced above has been 

requested by the Named Insured. The master policy(ies) has been issued by National Fire & Marine 

Ins Co in respect of coverage and limits ordered by the Named Insured. All coverage is subject to the 

terms, conditions and exclusions expressed in the policy(ies) and is subject to a deductible as defined 

by the policy(ies).

The Evidence of Insurance is issued as a matter of information only and confers no rights upon the 

document holder. This document does not amend, extend or alter the coverage, terms, exclusions, 

conditions or other provisions afforded by the policy(ies) referenced herein.

THIS DOCUMENT IS ISSUED AS EVIDENCE OF INSURANCE ONLY. IT DOES NOT 

CONSTITUTE A LEGAL CONTRACT OF INSURANCE.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 62 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 63 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 64 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 65 of 127
PO Box 7050 Troy MI 48007-7050

December 8, 2020

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Subject: Regarding hazard insurance information for:

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear SAMUEL H WORRELL DONNA L WORRELL:

Because we did not have evidence that you had hazard insurance on the property listed above, we 

bought insurance on your property and added the cost to your mortgage loan account.

The policy that we bought is scheduled to expire. Because hazard insurance is required on your 

property, we intend to maintain insurance on your property by renewing or replacing the 

insurance we bought.

The insurance we buy:

 Will cost an estimated $4,929.00 annually, which may be significantly more expensive 

than insurance you can buy yourself.

 May not provide as much coverage as an insurance policy you buy yourself.

If you buy hazard insurance, you should immediately provide us with your insurance information.

We urge you to contact your insurance agent or company and have them provide us with current 

evidence of hazard insurance for your property referenced above in the form of your current 

insurance policy declarations page. This information must be provided in writing and can be faxed to 

our Insurance Department at (248) 878-2370. You may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836, or mail it to the following address:

Shellpoint Mortgage Servicing

ISAOA / ATIMA

PO Box 7050

Troy, MI 48007-7050

PRERNW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 66 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 67 of 127
PO Box 7050 Troy MI 48007-7050

If you have any questions, please contact us at (877) 491-7277.

Please review additional information provided in the same transmittal.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

PRERNW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 68 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 69 of 127
PO Box 7050 Troy MI 48007-7050

SUPPLEMENTAL INFORMATION

Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any 

information obtained will be used for that purpose. To the extent that your obligation has been 

discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and 

informational purposes only and does not constitute a demand for payment or any attempt to collect 

such obligation.

Please be aware of your obligation to maintain hazard insurance on the property referenced on the 

first page of this letter that secures your federally related mortgage. We may obtain insurance 

coverage at your expense if you do not provide documentation of your existing coverage in a timely 

manner. The insurance cost may be significantly higher than the cost of insurance you can buy 

yourself. The insurance we purchase may only protect Shellpoint’s interest and not your interest.

If you desire to maintain your voluntary insurance policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company (c) agree in writing to reimburse the escrow advances through regular 

escrow payments (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 70 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 71 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 72 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 73 of 127
PO Box 7050 Troy MI 48007-7050

November 30, 2021

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Insured Name: SAMUEL H WORRELL DONNA L WORRELL

Property/Collateral: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear Client:

Shellpoint Mortgage Servicing will be renewing the lender-placed flood coverage issued on 

your property in approximately 45 days, as required by the loan documents and federal law.

The law defines adequate coverage to be, at a minimum, the LESSER of:

a) The outstanding principal balance of the loans secured by this property; or

b) Insurable value of the structure*; or

c) The maximum coverage available under the National Flood Insurance Program ($250,000 

for residential dwellings or $500,000 for commercial properties).

Note*: The insurable value of the building(s) on the property depends on the type of collateral 

securing the loan(s) and the payout conditions under the insurance policy. For example, under an 

NFIP flood insurance policy, if the building is your principal residence, the insurable value is typically 

the replacement cost value of the building, subject to a limit of $250,000. If the building is a vacation 

or second home where you reside less than 80% of the time, the insurable value is typically the actual 

cash value of the building, subject to a limit of $250,000. Actual cash value is the replacement cost 

value of the building minus depreciation.

The policy placed by Shellpoint Mortgage Servicing provides flood loss coverage for the structure 

only and does not provide coverage for your contents, personal property, or liability. This coverage 

will be placed at the minimum adequate coverage amount as stated above and may not be sufficient 

to rebuild the property in the case of a significant or total flood loss. This coverage will automatically 

renew each year if we do not receive evidence you have obtained your own coverage.

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDPRE TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 74 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 75 of 127
PO Box 7050 Troy MI 48007-7050

The monthly premium for the renewed insurance coverage will be charged to your escrow 

account. The premium cost may be higher than the premium for insurance you may be able to 

secure from your own sources. In addition, a policy you secure on your own may provide coverage for 

contents, personal property, and liability not covered by the lender-placed flood policy purchased for 

you by Shellpoint Mortgage Servicing. You may replace the lender-placed flood policy with a flood 

insurance policy that you purchase from an agent of your choosing. If the property is located in a 

community that participates in the NFIP flood insurance that provides the same level of coverage as a 

standard flood insurance policy under the NFIP may be available from a private insurance company 

that issues policies on behalf of the company. Please send us the declaration page of your 

replacement flood policy to the address above. Please have your agent include the following 

mortgagee clause on the policy: Shellpoint Mortgage Servicing, ISAOA / ATIMA.

If you desire to maintain your own policy, an escrow account can be established and we can advance 

the premium due if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company; (c) agree in writing to reimburse the escrow advances through regular 

escrow payments; (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information.

If you have any questions, please call us at (877) 491-7277. We value you as our customer and look 

forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDPRE TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 76 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 77 of 127
Private Flood Disclosure:

Federal law requires that a lender accept a private flood insurance policy as defined in the law. If you 

purchase a private flood insurance policy, we may be required to review the policy to determine if the 

policy is acceptable based upon the law or other guidelines.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 78 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 79 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 80 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 81 of 127
PO Box 7050 Troy MI 48007-7050

January 19, 2021

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Insured Name: SAMUEL H WORRELL DONNA L WORRELL

Property/Collateral: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear Client:

Shellpoint Mortgage Servicing has renewed the lender-placed flood coverage issued on your 

property, as required by the loan documents and federal law. The law defines adequate 

coverage to be, at a minimum, the LESSER of:

a) The outstanding principal balance of the loans secured by this property; or

b) Insurable value of the structure*; or

c) The maximum coverage available under the National Flood Insurance Program ($250,000 

for residential dwellings or $500,000 for commercial properties).

Note*: The insurable value of the building(s) on the property depends on the type of collateral 

securing the loan(s) and the payout conditions under the insurance policy. For example, under an 

NFIP flood insurance policy, if the building is your principal residence, the insurable value is typically 

the replacement cost value of the building, subject to a limit of $250,000. If the building is a vacation 

or second home where you reside less than 80% of the time, the insurable value is typically the actual 

cash value of the building, subject to a limit of $250,000. Actual cash value is the replacement cost 

value of the building minus depreciation.

The policy placed by Shellpoint Mortgage Servicing provides flood loss coverage for the structure 

only and does not provide coverage for your contents, personal property, or liability. This coverage 

will be placed at the minimum adequate coverage amount as stated above and may not be sufficient 

to rebuild the property in the case of a significant or total flood loss. This coverage will automatically 

renew each year if we do not receive evidence you have obtained your own coverage.

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDRNW TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 82 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 83 of 127
PO Box 7050 Troy MI 48007-7050

The monthly premium for the renewed insurance coverage will be charged to your escrow 

account. The premium cost may be higher than the premium for insurance you may be able to

secure from your own sources. In addition, a policy you secure on your own may provide coverage for 

contents, personal property, and liability not covered by the lender-placed flood policy purchased for 

you by Shellpoint Mortgage Servicing. You may replace the lender-placed flood policy with a flood 

insurance policy that you purchase from an agent of your choosing. If the property is located in a 

community that participates in the NFIP flood insurance that provides the same level of coverage as a 

standard flood insurance policy under the NFIP may be available from a private insurance company 

that issues policies on behalf of the company. Please send us the declaration page of your 

replacement flood policy to the address above. Please have your agent include the following 

mortgagee clause on the policy: Shellpoint Mortgage Servicing, ISAOA / ATIMA.

If you desire to maintain your own policy, an escrow account can be established and we can advance 

the premium due if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company; (c) agree in writing to reimburse the escrow advances through regular 

escrow payments; (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information.

If you have any questions, please call us at (877) 491-7277. We value you as our customer and look 

forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDRNW TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 84 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 85 of 127
LENDER-PLACED INSURANCE

EVIDENCE OF FLOOD INSURANCE

INSURED: SAMUEL H WORRELL DONNA L WORRELL

MORTGAGEE: SHELLPOINT MORTGAGE SERVICING

ADDRESS: 75 Beattie Place, Suite 300

Greenville, SC 29601-0000

LOCATION OF 

PROPERTY INSURED: 7420 NW 41ST CT

LAUDERHILL, FL 33319

REPORTED FLOOD ZONE: AH

FLOOD ZONE: CHRA

INSURED AMOUNT: $ 250,000.00

EFFECTIVE DATE: FROM: 01/17/2021 TO: 01/17/2022

OR UNTIL CANCELLED

ANNUAL PREMIUM: $3,745.08

(This is not an invoice.) (Including applicable taxes and fees)

The insurance coverage procured through the policy referenced above has been requested by the 

Mortgagee. The policy has been issued by Hamilton Insurance DAC in respect of coverage and limits 

ordered by the Mortgagee. All coverage is subject to the terms, conditions and exclusions expressed 

in the policy and is subject to a deductible as defined by the policy.

The Evidence of Insurance is issued as a matter of information only and confers no rights upon the 

document holder. This document does not amend, extend or alter the coverage, terms, exclusions, 

conditions or other provisions afforded by the policy referenced herein.

THIS DOCUMENT IS ISSUED AS EVIDENCE OF INSURANCE ONLY. IT DOES NOT 

CONSTITUTE A LEGAL CONTRACT OF INSURANCE.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 86 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 87 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 88 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 89 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 90 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 91 of 127
PO Box 7050 Troy MI 48007-7050

December 8, 2021

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Subject: Regarding hazard insurance information for:

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear SAMUEL H WORRELL DONNA L WORRELL:

Because we did not have evidence that you had hazard insurance on the property listed above, we 

bought insurance on your property and added the cost to your mortgage loan account.

The policy that we bought is scheduled to expire. Because hazard insurance is required on your 

property, we intend to maintain insurance on your property by renewing or replacing the 

insurance we bought.

The insurance we buy:

 Will cost an estimated $4,929.00 annually, which may be significantly more expensive 

than insurance you can buy yourself.

 May not provide as much coverage as an insurance policy you buy yourself.

If you buy hazard insurance, you should immediately provide us with your insurance information.

We urge you to contact your insurance agent or company and have them provide us with current 

evidence of hazard insurance for your property referenced above in the form of your current 

insurance policy declarations page. This information must be provided in writing and can be faxed to 

our Insurance Department at (248) 878-2370. You may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836, or mail it to the following address:

Shellpoint Mortgage Servicing

ISAOA / ATIMA

PO Box 7050

Troy, MI 48007-7050

PRERNW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 92 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 93 of 127
PO Box 7050 Troy MI 48007-7050

If you have any questions, please contact us at (877) 491-7277.

Please review additional information provided in the same transmittal.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

PRERNW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 94 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 95 of 127
PO Box 7050 Troy MI 48007-7050

SUPPLEMENTAL INFORMATION

Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any 

information obtained will be used for that purpose. To the extent that your obligation has been 

discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and 

informational purposes only and does not constitute a demand for payment or any attempt to collect 

such obligation.

Please be aware of your obligation to maintain hazard insurance on the property referenced on the 

first page of this letter that secures your federally related mortgage. We may obtain insurance 

coverage at your expense if you do not provide documentation of your existing coverage in a timely 

manner. The insurance cost may be significantly higher than the cost of insurance you can buy 

yourself. The insurance we purchase may only protect Shellpoint’s interest and not your interest.

If you desire to maintain your voluntary insurance policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company (c) agree in writing to reimburse the escrow advances through regular 

escrow payments (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 96 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 97 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 98 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 99 of 127
PO Box 7050 Troy MI 48007-7050

January 25, 2021

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Subject: Please update insurance information for:

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear SAMUEL H WORRELL DONNA L WORRELL:

Because we did not have evidence that you had hazard insurance on the property listed above, we 

bought insurance on your property and added the cost to your mortgage loan account.

The policy that we bought has expired. Because hazard insurance is required on your property, 

we intend to maintain insurance on your property by renewing or replacing the insurance we 

bought.

The insurance we buy:

 Will cost an estimated $4,929.00 annually, which may be significantly more expensive 

than insurance you can buy yourself.

 May not provide as much coverage as an insurance policy you buy yourself.

If you buy hazard insurance, you should immediately provide us with your insurance information.

We urge you to contact your insurance agent or company and have them provide us with current 

evidence of hazard insurance for your property referenced above in the form of your current 

insurance policy declarations page. This information must be provided in writing and can be faxed to 

our Insurance Department at (248) 878-2370. You may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836, or mail it to the following address:

Shellpoint Mortgage Servicing

ISAOA / ATIMA

PO Box 7050

Troy, MI 48007-7050

RENEW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 100 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 101 of 127
PO Box 7050 Troy MI 48007-7050

If you have any questions, please contact us at (877) 491-7277.

Please review additional information provided in the same transmittal.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

RENEW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 102 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 103 of 127
PO Box 7050 Troy MI 48007-7050

SUPPLEMENTAL INFORMATION

Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any 

information obtained will be used for that purpose. To the extent that your obligation has been 

discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and 

informational purposes only and does not constitute a demand for payment or any attempt to collect 

such obligation.

Please be aware of your obligation to maintain hazard insurance on the property referenced on the 

first page of this letter that secures your federally related mortgage. We may obtain insurance 

coverage at your expense if you do not provide documentation of your existing coverage in a timely 

manner. The insurance cost may be significantly higher than the cost of insurance you can buy 

yourself. The insurance we purchase may only protect Shellpoint’s interest and not your interest.

If you desire to maintain your voluntary insurance policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company (c) agree in writing to reimburse the escrow advances through regular 

escrow payments (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 104 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 105 of 127
LENDER-PLACED INSURANCE

EVIDENCE OF HAZARD INSURANCE

NAMED INSURED: SHELLPOINT MORTGAGE SERVICING

ADDRESS: 75 Beattie Place, Suite 300

Greenville, SC 29601-0000

LOCATION OF

PROPERTY INSURED: 7420 NW 41ST CT

LAUDERHILL, FL 33319

INSURED AMOUNT: $ 300,000.00

EFFECTIVE DATE: FROM: 01/25/2021 TO: 01/25/2022

OR UNTIL CANCELLED

ANNUAL PREMIUM: $4,929.00

(This is not an invoice.) (Including applicable taxes and fees)

The insurance coverage procured through the master policy(ies) referenced above has been 

requested by the Named Insured. The master policy(ies) has been issued by National Fire & Marine 

Ins Co in respect of coverage and limits ordered by the Named Insured. All coverage is subject to the 

terms, conditions and exclusions expressed in the policy(ies) and is subject to a deductible as defined 

by the policy(ies).

The Evidence of Insurance is issued as a matter of information only and confers no rights upon the 

document holder. This document does not amend, extend or alter the coverage, terms, exclusions, 

conditions or other provisions afforded by the policy(ies) referenced herein.

THIS DOCUMENT IS ISSUED AS EVIDENCE OF INSURANCE ONLY. IT DOES NOT 

CONSTITUTE A LEGAL CONTRACT OF INSURANCE.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 106 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 107 of 127
SHELLPOINT MORTGAGE SERVICING 

PO BOX 7050 

TROY MI 48007-7050

SAMUEL H WORRELL DONNA L WORRELL 

7420 NW 41ST CT 

LAUDERHILL FL 33319

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 108 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 109 of 127
PO Box 7050 Troy MI 48007-7050

January 18, 2022

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Insured Name: SAMUEL H WORRELL DONNA L WORRELL

Property/Collateral: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear Client:

Shellpoint Mortgage Servicing has renewed the lender-placed flood coverage issued on your 

property, as required by the loan documents and federal law. The law defines adequate 

coverage to be, at a minimum, the LESSER of:

a) The outstanding principal balance of the loans secured by this property; or

b) Insurable value of the structure*; or

c) The maximum coverage available under the National Flood Insurance Program ($250,000 

for residential dwellings or $500,000 for commercial properties).

Note*: The insurable value of the building(s) on the property depends on the type of collateral 

securing the loan(s) and the payout conditions under the insurance policy. For example, under an 

NFIP flood insurance policy, if the building is your principal residence, the insurable value is typically 

the replacement cost value of the building, subject to a limit of $250,000. If the building is a vacation 

or second home where you reside less than 80% of the time, the insurable value is typically the actual 

cash value of the building, subject to a limit of $250,000. Actual cash value is the replacement cost 

value of the building minus depreciation.

The policy placed by Shellpoint Mortgage Servicing provides flood loss coverage for the structure 

only and does not provide coverage for your contents, personal property, or liability. This coverage 

will be placed at the minimum adequate coverage amount as stated above and may not be sufficient 

to rebuild the property in the case of a significant or total flood loss. This coverage will automatically 

renew each year if we do not receive evidence you have obtained your own coverage.

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDRNW TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 110 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 111 of 127
PO Box 7050 Troy MI 48007-7050

The monthly premium for the renewed insurance coverage will be charged to your escrow 

account. The premium cost may be higher than the premium for insurance you may be able to

secure from your own sources. In addition, a policy you secure on your own may provide coverage for 

contents, personal property, and liability not covered by the lender-placed flood policy purchased for 

you by Shellpoint Mortgage Servicing. You may replace the lender-placed flood policy with a flood 

insurance policy that you purchase from an agent of your choosing. If the property is located in a 

community that participates in the NFIP flood insurance that provides the same level of coverage as a 

standard flood insurance policy under the NFIP may be available from a private insurance company 

that issues policies on behalf of the company. Please send us the declaration page of your 

replacement flood policy to the address above. Please have your agent include the following 

mortgagee clause on the policy: Shellpoint Mortgage Servicing, ISAOA / ATIMA.

If you desire to maintain your own policy, an escrow account can be established and we can advance 

the premium due if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company; (c) agree in writing to reimburse the escrow advances through regular 

escrow payments; (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law. For your 

convenience, you may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836. Upon receipt, we will update our records with your 

current insurance information.

If you have any questions, please call us at (877) 491-7277. We value you as our customer and look 

forward to resolving this matter.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

Visit https://www.ExpressInsuranceInfo.com/2919836 to update or provide electronic property insurance information on your mortgage.

FLDRNW TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 112 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 113 of 127
LENDER-PLACED INSURANCE

EVIDENCE OF FLOOD INSURANCE

INSURED: SAMUEL H WORRELL DONNA L WORRELL

MORTGAGEE: SHELLPOINT MORTGAGE SERVICING

ADDRESS: 75 Beattie Place, Suite 300

Greenville, SC 29601-0000

LOCATION OF 

PROPERTY INSURED: 7420 NW 41ST CT

LAUDERHILL, FL 33319

REPORTED FLOOD ZONE: AH

FLOOD ZONE: CHRA

INSURED AMOUNT: $ 250,000.00

EFFECTIVE DATE: FROM: 01/17/2022 TO: 01/17/2023

OR UNTIL CANCELLED

ANNUAL PREMIUM: $3,745.08

(This is not an invoice.) (Including applicable taxes and fees)

The insurance coverage procured through the policy referenced above has been requested by the 

Mortgagee. The policy has been issued by in respect of coverage and limits ordered by the 

Mortgagee. All coverage is subject to the terms, conditions and exclusions expressed in the policy 

and is subject to a deductible as defined by the policy.

The Evidence of Insurance is issued as a matter of information only and confers no rights upon the 

document holder. This document does not amend, extend or alter the coverage, terms, exclusions, 

conditions or other provisions afforded by the policy referenced herein.

THIS DOCUMENT IS ISSUED AS EVIDENCE OF INSURANCE ONLY. IT DOES NOT 

CONSTITUTE A LEGAL CONTRACT OF INSURANCE.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 114 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 115 of 127
Private Flood Disclosure:

Federal law requires that a lender accept a private flood insurance policy as defined in the law. If you 

purchase a private flood insurance policy, we may be required to review the policy to determine if the 

policy is acceptable based upon the law or other guidelines.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 116 of 127
Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 117 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 118 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 119 of 127
PO Box 7050 Troy MI 48007-7050

January 25, 2022

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL, FL 33319

Subject: Please update insurance information for:

Property Address: 7420 NW 41ST CT

LAUDERHILL, FL 33319 0000

Dear SAMUEL H WORRELL DONNA L WORRELL:

Because we did not have evidence that you had hazard insurance on the property listed above, we 

bought insurance on your property and added the cost to your mortgage loan account.

The policy that we bought has expired. Because hazard insurance is required on your property, 

we intend to maintain insurance on your property by renewing or replacing the insurance we 

bought.

The insurance we buy:

 Will cost an estimated $4,929.00 annually, which may be significantly more expensive 

than insurance you can buy yourself.

 May not provide as much coverage as an insurance policy you buy yourself.

If you buy hazard insurance, you should immediately provide us with your insurance information.

We urge you to contact your insurance agent or company and have them provide us with current 

evidence of hazard insurance for your property referenced above in the form of your current 

insurance policy declarations page. This information must be provided in writing and can be faxed to 

our Insurance Department at (248) 878-2370. You may also submit your insurance policy online at 

https://www.ExpressInsuranceInfo.com/2919836, or mail it to the following address:

Shellpoint Mortgage Servicing

ISAOA / ATIMA

PO Box 7050

Troy, MI 48007-7050

RENEW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 120 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 121 of 127
PO Box 7050 Troy MI 48007-7050

If you have any questions, please contact us at (877) 491-7277.

Please review additional information provided in the same transmittal.

Sincerely,

Shellpoint Mortgage Servicing

Insurance Department

Phone: (877) 491-7277 Monday - Friday, 8 am to 6 pm ET

Fax: (248) 878-2370

RENEW – 08/08/2019 TTY Service is available by contacting 711 v.01/01/2017

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 122 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 123 of 127
PO Box 7050 Troy MI 48007-7050

SUPPLEMENTAL INFORMATION

Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any 

information obtained will be used for that purpose. To the extent that your obligation has been 

discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and 

informational purposes only and does not constitute a demand for payment or any attempt to collect 

such obligation.

Please be aware of your obligation to maintain hazard insurance on the property referenced on the 

first page of this letter that secures your federally related mortgage. We may obtain insurance 

coverage at your expense if you do not provide documentation of your existing coverage in a timely 

manner. The insurance cost may be significantly higher than the cost of insurance you can buy 

yourself. The insurance we purchase may only protect Shellpoint’s interest and not your interest.

If you desire to maintain your voluntary insurance policy, we can advance the premium due from your 

escrow account if you: (a) accept the offer of the escrow account; (b) provide a copy of the invoice 

from your insurance company (c) agree in writing to reimburse the escrow advances through regular 

escrow payments (d) agree to escrow for the repayment of the advanced premium and to pay for 

future premiums necessary to maintain the required policy; and (e) agree that we will manage the 

escrow account in accordance with the loan documents and with state and federal law.

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 124 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 125 of 127
LENDER-PLACED INSURANCE

EVIDENCE OF HAZARD INSURANCE

NAMED INSURED: SHELLPOINT MORTGAGE SERVICING

ADDRESS: 75 Beattie Place, Suite 300

Greenville, SC 29601-0000

LOCATION OF

PROPERTY INSURED: 7420 NW 41ST CT

LAUDERHILL, FL 33319

INSURED AMOUNT: $ 300,000.00

EFFECTIVE DATE: FROM: 01/25/2022 TO: 01/25/2023

OR UNTIL CANCELLED

ANNUAL PREMIUM: $4,929.00

(This is not an invoice.) (Including applicable taxes and fees)

The insurance coverage procured through the master policy(ies) referenced above has been 

requested by the Named Insured. The master policy(ies) has been issued by National Fire & Marine 

Ins Co in respect of coverage and limits ordered by the Named Insured. All coverage is subject to the 

terms, conditions and exclusions expressed in the policy(ies) and is subject to a deductible as defined 

by the policy(ies).

The Evidence of Insurance is issued as a matter of information only and confers no rights upon the 

document holder. This document does not amend, extend or alter the coverage, terms, exclusions, 

conditions or other provisions afforded by the policy(ies) referenced herein.

THIS DOCUMENT IS ISSUED AS EVIDENCE OF INSURANCE ONLY. IT DOES NOT 

CONSTITUTE A LEGAL CONTRACT OF INSURANCE.

 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 126 of 127
 

Case 21-20622-PDR Doc 51-5 Filed 03/04/22 Page 127 of 127