Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
Water event happened on XX/XX/year> that affected Units below me, that the condo association is claiming is my responsibility. Side bar : The issue I " notifying you about is XXXX-fold. Put in my insurance claim for a water event and I received a call back after I placed the claim, they stated the insurance would not cover the matter. I stated why, they stated that my coverage did not personal damages or water. I stated that when I purchased the home, I had insurance that should cover these matters and I have documents to prove that I paid for insurance during closing. After further digging into my insurance situation, I contacted XXXX, the agency that I got my insurance through when I closed on the home, they informed me that they could not get in contact my mortgage company XXXX United Wholesale Mortgage XXXX, so they allowed my insurance to lapse. I spoke to a member of United Wholesale and they issued me XXXX ( lender provided insurance ) because my home was showing not having any coverage, I presume because of the lapse. United Wholesale Mortgage stated several notices were sent me to inform me I did not have insurance. I did not get any. Also, XXXX the agency I got my insurance through, never reached out to me, via phone calls or emails regarding my insurance lapsing or them not being able to get in contact with the Mortgage company. I had to call to get that information. This is unacceptable and will be costly for me to come out of pocket to cover this situation. Second part of this situation is, XXXX, the maintenance guy for the community I live in, came buy and stated that the water leakage could be an issue with the pipes behind the wall or stand pipe. XXXX took a look at the drain pipe and stated that the drain pipe is fine. I was able to wash clothes with no issues after the water event. XXXX XXXX, the drain pipe gets clogged and a water event similar to this has occurred before in several other units in XXXX XXXX, had no prior advisement of this. Was recommended to me after this water event, to clean drain pipe with pipe cleaner monthly in order to prevent this in the future. Apparently other Units were informed to use pipe cleaned down the stand pipe. I have an issue with the condo association not informing me that, there needs to be drain pipe cleaner put into the tubes monthly, prior to me moving in. Since the maintenance guy stated this is an issue other unit have had, that tells me this is a known issue that should be resolved by the condo community. Also, I spoke to XXXX from the condo association and she informed me to have my insurance to fight the matter. Which was telling to me and made me believe this is a reoccurring situation that the community is use it. Because there was no concrete information given to me as to what could have caused the water leak to the Units below me, I asked how can this be prevented in the future. I was told, I dont have answer for that. So, if this was to occur again, I can be held financially responsible again for something I didnt know how to prevent because the condo community doesnt know. Essentially expected me to be held liable every time a similar water event happens, is unacceptable.

Company response to consumer: Closed with explanation