# Force Placed Insurance Charge Recheck

Recheck a force-placed insurance charge against the borrower’s own coverage record.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The charge amount and coverage period, and the borrower’s policy dates.

## Workflow
1. Record the force-placed charge and its coverage period.
2. Record the borrower’s own policy dates.
3. Check for any actual lapse the charge could cover.
4. Return the recheck without servicer contact.

## Output contract
loan | charge_amount | charge_period_start | charge_period_end | own_policy_lapse | disputable_amount

## Fictional acceptance test
Fictional borrower was charged 1,850 for force-placed coverage from April 1 to July 1, 91 days at a daily rate of 20.33; their own policy shows no lapse: the full 1,850 is disputable.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-my-mortgage-lender-servicer-is-charging-me-for-force-placed-homeowners-insurance-en-219/

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