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None. Our mortgage company requires home insurance, and also handles the payment of that insurance through our required escrow account. We were dropped by our insurance company ( as many homes in Florida were being dropped ) but were quickly able to secure new home insurance with XXXX XXXX -- the only company that would insure us at the time. We immediately sent proof of our new insurance policy and payment requirements to our mortgage company, so they could note the new coverage and pay the premium. They confirmed receipt, and had plenty of time ( 90 days ) from our notice to make the payment from our escrow account, but for some reason ( it's still unclear why ) they dropped the ball and payment did not go out in time. Our new insurance company, XXXX, sent a notice of rescission of our p