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I have flood insurance and recently had to file a claim. NFIP wants to pay mortgage company and I said I was never required to have flood insurance or was it part of the mortgage agreement (just wind and hazard). I also pay my flood insurance directly to NFIP. I know it's standard procedure for them to send if mortgage company requires insurance, but not if they do not.
So who is in the right here?
So who is in the right here?