I recieved notice of my escrow increase, upon investigation I found out that a Wind Storm policy has been put on my account that I was not aware of by the Insurance Department of GMAC. I have spent a total of 6 hours in the last three days tring to get it through to them that in North Carolina wind coverage is included in the Home owners Policy. I have contacted 8 differant Insurance Companys and they laughed when I discribed what the Mortage Company was doing. They are tring to make me purchase a Hurricane Policy when I live closer to the west part of the state. The customer service they have is totaly clueless in what they are doing. me and my insurance company agent is still waiting to find out what we need to send. I spent thirty min. tring to speak to a supervisor. I have most of the names of the operaters and alot of them are from other countries and you can not understand half of what they are saying.