Okay- where do I start!
First-time homebuyer - new to escrow (sounded great) as long as Insurance Co, Mortgage servicing Co, etc does their job correctly.
Money ($2K) collected at closing to cover 1st year of H/O Ins, then Safeco submitted a bill to mortgage servicing co (LoanCare) for $4k without notification to homeowner of an increase to my premium. I didn't know there was anything wrong until I received my March 2018 mortgage statement and my mortgage payment went up $800.00 and my escrow account had a shortage of $-6K.
Called LoanCare and they directed me to Safeco/Broker Capital Risk Management, Knoxville, TN. Called Broker and they stated I was NOT within 5 miles of firestation and/or 1000 ft of fire hydrant, with a 9/10 fire risk rating and that was the reason for the $4K increase in premium.
Called local firestation and they stated my address is within 2 miles of a fire substation and my neighborhood is rated a 5Y.
Safeco refunded a partial amount, but still waiting on $2,700 additional.