Become a Client

MortgageHazard.com makes requesting hazard and flood insurance easy! We strive to provide you the best possible service through our lender-placed insurance program.

Become a Client

MortgageHazard.com provides your insititution with billing, refund support, claims submission, online certificates of coverage, end of month property reports and a variety of reporting methods to help you track insurance.

Program Highlights Include:

• Immediate binding authority up to $1,000,000 per property
• Carriers rated "A" by A.M. Best
• Available flood coverage
• Lender determined value to lender-place
• Losses adjusted on replacement cost basis with no deduction for depreciation
• Pro-rata refunds
• Assigned customer service representatives
• Toll-free number for administrative assistance

Carrier (Rated "A" by A.M. Best)
Through Lee and Mason Financial Services, Inc MortgageHazard.com online tool, you will have access to a variety of reporting methods to help you track loans. MortgageHazard.com provides your institution with billing, refund support, claims submission, online certificates of coverage, end of month property reports and policy rate information.

Disclaimer
The above summary is not a substitute for your insurance policy. For specific terms and restrictions, please refer to the policy as the contract for coverage.

Program Matrix

Property Type	Property Description	Buildings Covered
Residential Occupied	Residential Occupied Foreclosure	1-4 Family dwelling
Residential Vacant	Residential Vacant R.E.O.	1-4 family dwelling
Commercial Occupied	- 5 family or larger - Industrial	31% or more occupied
Commercial Vacant	- 5 family or larger - Industrial	Less than 31% occupied
Commercial Contents & Equipment Occupied	Business contents usual to the occupancy of the building	N/A
Commercial Contents & Equipment Vacant	Business contents usual to the occupancy of the building when operations no longer exist	N/A
Mobile Home Occupied	Mobile home used for residential	Occupied
Mobile Home Vacant	Mobile home used for residential	Vacant
Farm Occupied	Combined Insured values for each building insured under one Farm property location	Occupied Farm Out-Building structure, not a dwelling, on land designated for farming purposes
Farm Vacant	Combined Insured values for each building insured under one Farm property location	Vacant Farm Out-Building structure, not a dwelling, on land designated for farming purposes

Definitions/Requirements
Residential:	Defined as a dwelling with one to four family units
Commercial:	Defined as a property with five or more family units, storefront or office
Occupied:	Defined as 31% or more occupancy
Mobile Home:	Considered secured if it is permanently fixed
Contents:	Only available on Commercial and Farm Out-Buildings, provided:      The Property also has building insurance coverage.      Maximum limit = 50% of building insurance coverage provided

Flood Program Matrix How much flood insurance coverage is available? The following coverage limits are available:
Building Coverage	Regular Program
Residential (1-4 Family)	$250,000
Other Residential (5+ Family)	$500,000
Non-residential or small business	$500,000
-	-
Contents Coverage (per unit)
Residential	$100,000
Non-residential including small business	$500,000

** Excess flood coverage is available.

Become a Client