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In XXXX I refinanced my mortgage with Logan Financial Corp and they informed me that I was in a flood zone and needed to purchase flood insurance. ( My original mortgage in 2017 did not require this. ) I purchased flood insurance for the first and second year, but they claimed I didn't and purchased insurance for me, adding the amount to my mortgage payment. This year they sent a notice stating that I needed to increase my coverage, so I started doing some research. I contacted FEMA, XXXX XXXX XXXX XXXX, and my XXXX and discovered that I am not and have never been in a flood zone. I called Logan several times, emailed and mailed them all of the documents ( including their appraisal showing that I'm not in a flood zone ) and asked that they provide the flood zone determination documents. I also requested that they refund all money spent on insurance that I never needed. Eventually they sent me a determination document that expired in XXXX ( 2 years prior to my loan ) and a letter stating that FEMA changed the map and I am no longer required to have flood insurance. According to my research, FEMA has not revised the map of our area since XXXX.
They will not admit that they made a mistake in requiring this insurance or provide a legitimate flood determination document, nor have they refunded my money.
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