Checklist · Free download
Homeowners Insurance Escrow Verification Checklist
Compare the insurer’s policy record with the servicer’s escrow projection and disbursement record.
2 pagesNo email requiredEditable + printable
Actual first-page previewHomeowners Insurance Escrow Verification Checklist
Before you fill it out
What this resource helps you document
Compare the insurer’s policy record with the servicer’s escrow projection and disbursement record.
01Policy record
02Escrow projection
03Premium disbursement
04Mismatch check
Federal baseline to check
Use the form with the rule, not instead of the rule.
These templates organize facts and records. They do not create a borrower right that the underlying regulation, loan terms, investor rules, or state law does not provide.
- Escrowed hazard-insurance premiums generally must be paid on time while the mortgage payment is not more than 30 days overdue.
- Insufficient money in the escrow account alone does not make the servicer 'unable to disburse' a hazard-insurance premium; the rule contemplates advances in many cases.
- A known premium for the next escrow year should be used in the servicer's estimate rather than an older amount.
Use this resource carefully
- Match policy number, coverage dates, mortgagee clause, premium amount, and payment posting date across the insurer and servicer records.
- If the policy was canceled for nonpayment despite escrow, save the cancellation notice and insurer ledger before the account is corrected; these records can disappear from portals later.
- Do not use this worksheet to decide whether a particular insurance policy satisfies the loan contract; confirm coverage requirements with the servicer/insurer.