And another tax exemption goes away to screw people -

[dameatball]

2. You need to contact your mortgage holder if they had been paying the premium prior to the last

three years. I had a similar problem with my bank last year. Seven years ago, I refinanced my house into just in my name after a divorce. My flood insurance premiums were paid by the mortgage holder automatically every year for six consecutive years. Suddenly, this past year I got a letter from the mortgage holder wanting an updated copy of my flood insurance policy. Otherwise they were going to stop paying the annual premium. Between multiple calls from my local insurance agent and myself we finally got the national flood insurance company to send a copy to my mortgage holder. It was a real hassle all around. I also found out that the national flood insurance company would only work with my agent, which I thought was weird.

The point of all this is that if your premiums had been being paid previously, the mortgage holder should have at least notified you of any impending problems. If they did not, you may have a case. Slim chance perhaps.