PHH SAID I NEEDED FLOOD INSURANCE ON MY HOME I PROVIDED THEM WITH A LETTER FROM, HAMILTON TWP, NJDEP, AND REGION 2 DHA/FEMA LETTERS STAINF I AM NOT LOCATED IN A FLOOD ZONE, THEY CHECK WITH WHAT THEY CALL THIRD PARTY ENGINEERS WHO STATES OTHER WISE WHEN I ASKED IF I PROVIDE THEM WITH A LOMA FROM FEMA WOULD THAT SATISFY THEM I WAS TOLD WHEN I GET IT THEY WILL SEE, WHEN ASKED ABOUT REIMBURSEMENT THEY SAID ITS NOT UPO TO THEM. I DONT SEE HOW ALL THE DOCUMENTS AND NOTICES THAT I PROVIDED THEM WITH WAS NOT SUBSTANTIAL. YPU WOULD THINK IN THIS DAY AND TIME THEY WOULD RATHER YOU PAY YOUR MORTGAGE THEN SOME USLESS EXSPENSIVE INSURANCE THAT I DONT NEED. read full review »