# Homeowners Insurance Proof Timing Check

Check that proof of homeowners insurance predates the closing date the lender requires it for.

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

## Inputs
Insurance binder or policy date and the scheduled closing date.

## Workflow
1. Record the date on the insurance proof.
2. Record the scheduled closing date.
3. Flag proof dated after the closing date.
4. Return the timing check without contacting the insurer.

## Output contract
file | proof_date | closing_date | days_gap | valid

## Fictional acceptance test
Fictional file has a closing set for Friday and an insurance binder dated 3 days after that Friday: the proof is late by 3 days, so the file fails the lender timing check.

## 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-is-homeowners-insurance-why-is-homeowners-insurance-required-en-162/

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