Frequently Asked Questions

A mortgagee clause is the portion of an insurance policy that names the lender (mortgagee) as an interested party. It includes the lender's legal entity name, mailing address, and typically includes ISAOA/ATIMA successor language. The clause ensures that the lender receives notice of any policy changes, cancellations, or claims — protecting their financial interest in the property.

ISAOA stands for "Its Successors and/or Assigns" and ATIMA stands for "As Their Interests May Appear." Together, they ensure that if the mortgage is sold or transferred to another entity, the new holder automatically inherits the insurance protection without requiring a policy endorsement. Most lenders require this language in their mortgagee clause.

A "dec page" (declarations page) is the first page of an insurance policy that summarizes key information: the policyholder's name, property address, coverage amounts, premium, effective dates, and the mortgagee clause. It's the document most commonly requested by lenders to verify insurance coverage.

Lender-placed insurance (also called force-placed insurance or CPI — creditor-placed insurance) is coverage that a mortgage lender purchases on behalf of a borrower when the borrower's own insurance lapses or doesn't meet the lender's requirements. LPI is typically much more expensive than standard homeowner's insurance and only protects the lender's interest, not the homeowner's belongings.

Continuously. Our team monitors lender mergers, servicing transfers, and address changes. Community submissions are verified within 48 hours. Each entry shows a "last verified" date so you always know how current the data is.

We currently index over 850 lenders and servicers across all 50 states, including national banks, regional banks, credit unions, non-bank servicers, subservicers, state housing finance agencies, and GSEs. The number grows weekly as the community submits new clauses.

Yes. Some lenders require different mortgagee clause addresses for homeowner (hazard) insurance vs. flood insurance. Our database flags these lenders with an "alternate flood address" field so you always send to the right PO Box.

We map each lender to their insurance verification platform — including MyCoverageInfo.com, ihaveinsurance.com, ImCovered.com, ExpressInsuranceInfo.com, MyInsuranceInfo.com, and others. Plus members get the lender-specific portal URL (e.g., mycoverageinfo.com/chase), the platform slug or code, the agent portal URL if different from the borrower portal, and exactly what login credentials the platform requires (Loan # + ZIP, Loan # + ZIP + Last 4 SSN, UID, Reference ID, etc.). This means you can go directly to the right page and submit proof of insurance immediately after binding — no guessing which URL to use.

A platform slug is the lender-specific path on a verification portal. For example, Chase uses mycoverageinfo.com/chase and U.S. Bank uses ihaveinsurance.com/usbank. Without the correct slug, you may land on a generic page that doesn't recognize the borrower's loan. Some lenders use code-based slugs like wf708 for Wells Fargo variant #708 or CEN300 for Cenlar-serviced loans. We capture all of these so you always land on the right page.

Yes — and we'll reward you. Submit the lender name, full clause text, mailing address, and a source URL. If we verify it and add it to the database, you earn 1 point. Note: submitting a request for us to find a clause does not earn points — you must provide the actual clause data.

Yes. The Free tier lets you search the entire database and see lender names, cities, states, and categories at no cost. You'll need a Plus plan ($20/mo, 7-day free trial) to see full clause text, addresses, contact info, and use the copy button.

Plus gives individual agents full clause data, contacts, verification links, aliases, and lender intelligence at $20/mo. Business adds team seats (5 included at $15/seat, add more in bundles of 5 for $10/mo each), plus servicing and claims data — loss draft addresses, escrow addresses, flood alternate addresses, LPI providers, and clause change history. Business also includes same-domain enforcement, shared referral links, and priority verification.

Annual billing gives you 2 months free. Plus is $200/year (vs. $240 monthly). Business is $750/year (vs. $900 monthly). You can switch between monthly and annual at any time from your account dashboard.

Yes. No contracts, no cancellation fees. Cancel from your dashboard and your access continues until the end of the current billing period. You won't be charged again.

Submit a mortgagee clause we don't have. If we verify it and add it to the database, you earn 1 point. You must provide the lender name, full clause text, mailing address, and a source URL. You must be an active subscriber (Plus or Business) to earn and redeem points.

1 point = 1 free month of Plus. 3 points = 1 free month of Business. Maximum of 3 free months can be earned per calendar month.

No. Submitting a "Find a Lender" request for us to research a clause does not earn points. You must provide the complete clause information yourself — lender name, full clause text, mailing address, and source URL — and it must be verified by our team.

Refer a colleague using your unique referral link. When they sign up for a paid plan, you both receive one free month. You must be an active subscriber to participate.