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Insurance:

What do I need to do with the insurance check for damages to my home?

Contact our Loss Draft Department at 1-800-929-6110 to discuss details of your claim with one of our insurance specialists. They will be able to tell you how to handle the claim funds.

What should I do with the past due notice from my insurance company?

Please contact the LoanGIANT Insurance Department at 1-800-929-6110 Monday through Friday between 8:00 am to 7:00 pm Central Time, excluding federal holidays for assistance.

When will my insurance be paid from my escrow account?

Once a bill is received from your insurance company, payment will be issued within 21 days of the due date. This time frame allows for mailing and posting by your insurance company for the new term. To view recent insurance payments made on your loan, follow the steps below:

To view recent insurance payments made on your loan, login to your account and select Payment History from the menu.

How do I notify LoanGIANT of my new Homeowner’s insurance coverage?

Write your loan number on your new insurance policy’s declarations page and send it to LoanGIANT, LLC 6595 Roswell Road #2407, Atlanta, GA 30328. You may also Email at: CustomerCare@LoanGIANT.co

What do I need to do with the refund check I received from my previous insurance company?

This will depend on the payee on the check.

If the check is made out to LoanGIANT and you have an escrow account, send it to LoanGIANT Escrow Dept., 6595 Roswell Road #2407, Atlanta, GA 30328. This will prevent a future escrow shortage and also informs us that you’ve switched insurance companies.

If the check is made out to you, you may deposit it to your account. We recommend that you transfer these funds to your LoanGIANT escrow account when making your next monthly payment to prevent a future shortage.

If you do NOT have an escrow account, keep the refund! It’s yours.

What should I do now that my insurance company cancelled my homeowner’s coverage?

Your insurance company must provide you with a reason why your coverage was cancelled. You may contact your current insurer and ask that they reinstate coverage, or shop for new coverage from another insurer.

It’s important that you renew your homeowner’s insurance as soon as possible, as your home loan requires it. If your home becomes uninsured, LoanGIANT will have to purchase insurance for you and bill you for it. Insurance purchased by a lender may be more expensive than your previous coverage, and may not provide you with your preferred level of coverage.

If you did not pay your insurance premium because you’re having financial difficulties, please call Customer Service at 800-929-6110 to discuss your options.

What is Lender Placed Insurance?

Lender Placed Insurance (LPI) is insurance coverage obtained by LoanGIANT on your property when your retail policy has canceled or non-renewed and LoanGIANT has not received proof of insurance from your retail carrier. If you received a lender placed insurance notice from LoanGIANT but have your own policy, please forward proof of insurance to LoanGIANT. Write your loan number on your insurance policy’s declarations page and send it to LoanGIANT, 6595 Roswell Road #2407, Atlanta, GA 30328. You may also Email it to CustomerCare@LoanGIANT.co

What Is a mortgagee clause?

This is a clause in an insurance contract that entitles an IDD mortgagee (LoanGIANT) to be reimbursed for damage or loss to the property. This protects your lender (LoanGIANT) so we can ensure the damage is completely repaired and the property is brought back to its original state. An insurance claim check will have two payees - LoanGIANT and the borrower - on the check.

Please use the following Mortgagee Clause for LoanGIANT:

LoanGIANT, LLC
ISAOA/ATIMA
6595 Roswell Road #2407

Atlanta, GA 30328

What is mortgage insurance?

Mortgage insurance is NOT the same as homeowner’s insurance. Mortgage insurance makes it possible for lenders to offer financing with low down payments, as it protects them against non-payment. Your mortgage insurance costs may be added to your monthly loan payments, or you may pay it at closing.

If you have a conventional loan, you may be required to have private mortgage insurance (PMI), while FHA loans may require you to pay Mortgage Insurance Premiums (MIP). PMI and FHA MIP are paid monthly. USDA fee is paid annually.

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