Since September 2009, I have my mortgage with Chase Home Finance and separately my Home Owners with Allstate.

In November 2009, Chase sent out a letter requesting proof of home insurance. W called Allstate and requested they fax a proof of coverage.
Allstate did so.

Subsequently, Chase sent us a letter that they would no longer need to have hazard insurance on the property, as it was duplicated coverage. We thought this was odd as we were never aware of them having any insurance on the property.

On March 8, Allstate sent us a letter stating that our insurance had lapsed and we would need to purchase the next six months in advance. We have both auto insurance and homeowners with Allstate, so we looked back at our payment records and discovered that we had NOT received a bill for Allstate homeowners for the last three months.

I called Allstate and they said it was a mistake caught and corrected in January. They said they would adjust our bill for the remainder of the year, increasing the premium for the period from March to October.

This week, I received letter, requesting missing insurance information within 15-days, they threatened that if they did not receive the requested information, they would force me to buy Hazard Insurance at a cost likely to be much higher than I would pay on my own.

I called Chase and they said that Allstate had sent an insurance cancellation notice for non-payment on February 24.

We are current on our insurance payments and Allstate has now faxed our proof of coverage to Chase.

We are concerned that either Allstate or Chase made a change to our customer record that stopped the monthly billing process.

A recent TV news program raised a concern that Chase was trying to force another customer into higher priced hazard insurance. I will seek help from the Texas Consumer Protection Agency to determine how either of these companies can make changes to our account without me being aware of it. More importantly, to make sure Chase or Allstate has not devised a scheme to sell insurance that is more expensive.