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Let Us Handle the Constraints of Force-Placed Property Insurance Claims

Insurance Claim Form

Lender-Placed Insurance Policies, also known as “creditor-placed” or “forced-placed policies”, are property insurance policies placed by a lender (bank or mortgage company) when the property insurance policy lapses due to, for example, missed mortgage payments or failure to maintain proper property insurance. Lender placed policies allow the mortgage company to protect their interest in your property.

Policyholders who have a lender-placed policy may experience difficulty when trying to recover from their insurance company for a loss. These policies are extremely pricey and are limited to cover only the structure for damages, Your contents and liability is not covered. In rare circumstances, the case may be different as the insurance company may renew your existing policy, which may include structure, contents, additional living expenses/business income, and liability.


Even if you have a lender-placed policy, we can help, as long as you are listed as the insured on the policy. United Public Adjusters & Appraisers Inc. can manage the force placed policy claim to ensure that the claim is substantiated when a loss occurs. Each case is different, we would welcome the opportunity to review your policy and advise you on coverage.

Our expertise in policy language interpretation, professional negotiations along with knowledge of construction allows us to prepare, submit and manage property insurance claims on your behalf; ensuring to completely indemnify the loss.


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