I changed my insurance FROM State Farm (policy #1241-9882-27) in March of this year by selecting another company and informing my mortgage company by which my escrow funds were released. I have since sold my home and at the time of closing learned that my mortgage company paid both my new insurance policy and my old insurance policy. The State farm policy was paid in error from my escrow account (EFT#4083832) which left me a negative balance at the time of closing. Upon research, I was able to decipher I was covered by two insurances at one time and State Farm was to be notified by my new insurance company and mortgage company (who mistakenly sent funds to State Farm for policy renewal; CitiMortgage has put this in writing and documentation was submitted to State Farm). The local office stated due to the fact that I did not personally notify State Farm they are unable to issue me a full refund, regardless of the fact that the error was admittedly on the mortgage company. I have tried to communicate with the agent who owns the location by which I originally secured the policy and her only explanation is that the underwriters are requiring "proof" from her location of communication from me. I have asked for contact information to make a formal report and to speak with those who are making the decision, only to be informed that the local office did not have such information and could only call the underwriter and ask them who they would recommend I contact. In all actuality, the policy from the previous year was cancelled a month prior to its completion and I was unknowingly being covered by two insurances at the same time which is not lawful but only plausible due to the error on behalf of my mortgage company.
The purpose of this correspondence is to recoup funds paid to State Farm in error and funds for the one month coverages lapsed. I hope to speak to someone in the very near future.