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None. After finding a Insurance company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) to cover our XXXX XXXX XXXX XXXX XXXX. My mortgage co ( Veterans United ) paid out of my escrow account held by Veterans United, {$1900.00} for the XXXX XXXX on XX/XX/2022. We the homeowner assumed that our home is now covered. On or about XX/XX/XXXX we experienced significant damage to living room ceiling from a leaking tub upstairs. After calling XXXX XXXX we were told we have no insurance. After further investigation, we found that on XX/XX/2022 {$1900.00} was returned to my escrow account that is being held by Veterans United. Not XXXX XXXX or Veterans United had the decency to inform the homeowner. We now have substantial damage, the written proposals are from {$7100.00} to {$12000.00}. That is bathroom