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Get current written proof of coverage from your insurer or agent, then send it through the insurance-document channel specified by your mortgage servicer. A declarations page is often a useful starting point, but the servicer’s requirements and your loan terms determine what it will accept. Keep a copy and submission confirmation, and follow up if the account still shows missing insurance.
What counts as proof of homeowners insurance?
Your servicer may accept a declarations page, an insurance certificate, the policy itself, or similar written confirmation. Under CFPB Regulation X, a servicer may require written evidence of continuous hazard coverage that meets the mortgage contract. For loans within its scope, Fannie Mae says a signed certificate can be used instead of the full policy if it provides enough information to determine whether requirements are met. See its evidence-of-property-insurance guidance.
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Before submitting, check that the document is legible and current and gives the servicer enough information to verify the coverage. It should identify the insured property and borrower, show the policy period and policy details, and include the coverage information the servicer needs. Limits and deductibles may also matter to its review. These are practical checks, not a universal form: your servicer’s instructions and loan requirements govern what is sufficient.
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Check the mortgagee clause
The mortgagee clause identifies the lender or servicer’s interest in the insured property. If it is missing or incorrect, contact your insurer or agent and ask for a corrected policy record and updated evidence before submitting.
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Use the exact wording and address supplied by your own servicer. Fannie Mae’s guidance generally calls for the lender or servicer and its address as mortgagee, often followed by “its successors and/or assigns,” but it also addresses special circumstances. Those requirements apply within Fannie Mae’s scope and should not be assumed to govern every loan. Do not copy a clause from another lender’s website. Fannie Mae’s mortgagee-clause guidance explains its requirements.
How to submit the documents
- Verify the destination. Sign in through the servicer’s website or app using a link or contact information from a trusted mortgage statement. If you received a notice, verify its instructions with the servicer through a known channel before sending personal information.
- Find the accepted insurance-document route. Check the servicer’s account or verified instructions for an upload portal, email, fax, or mailing address. Confirm accepted file types and any naming or identification requirements. Routes and formats differ by servicer.
- Send the requested evidence. Submit the declarations page, certificate, policy, or other written confirmation requested. Include your loan number if instructed, and make sure all pages are readable.
- Save a record. Keep the document you sent and a portal receipt, confirmation email, fax report, or other record showing when and how you submitted it.
- Check the account and follow up. If the insurance record does not update or you receive another notice, contact the servicer through a verified channel and ask what specific information or correction it still needs.
Servicer instructions are not interchangeable. For example, STCU’s published instructions describe particular file formats and submission options; HomeLoanServ’s Help Center gives its own document-submission details; and Flagstar’s policy-change instructions describe its routes and request a loan number. Use these only as illustrations of why you must follow your own servicer’s current directions, not as contact details for another lender.
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If your servicer says it has no proof of coverage
Respond promptly through a verified channel and ask what is deficient. The issue might be missing evidence, an incorrect mortgagee clause, a gap between policy dates, insufficient coverage, or a document the insurer has not confirmed. Ask what specific correction or confirmation will resolve it, then coordinate with your insurer or agent as needed.
Under Regulation X’s force-placed insurance rule, a servicer may seek evidence of continuous hazard coverage and may reject submitted evidence if the insurer or agent does not confirm it or the policy fails to meet the mortgage contract. Sending a document alone does not guarantee acceptance or establish that any charges have stopped. The rule does not establish a universal processing time or review deadline for every submission, so ask the servicer about your account and any notice you received.
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Keep the loan and policy records aligned
For loans covered by them, Fannie Mae’s requirements call for verification of a valid policy and retention of acceptable evidence containing relevant policy, property, and borrower information. Its broader property-insurance servicing guidance is not automatically the rule for every mortgage. If you change insurers, renew, or update a policy, check your servicer’s instructions for how to report the change and keep the new evidence with your loan records.
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