Filing Claims

We’re Here for You When You Need Us

It’s our policy to process and settle all Claims according to the terms and conditions of Essent’s Master Policy — and with a sense of fairness.

If we find a correctable error on a Claim for Loss that would inappropriately reduce the Insurance Benefit, we will correct the error and maximize full Insurance Benefits for the Insured.

When to file a Claim for Loss

A Claim should be filed no later than 60 days after the earlier of:

  • acquiring a Borrower’s Title to the Property
  • a Third-Party Sale
  • expiration of the Insured’s right of redemption (if he/she elects)

Required documentation

We make every effort to keep the required documentation minimal. Only the following documents are required to be submitted with every Claim.

  • A copy of the executed trustee’s or sheriff’s deed (which may be unrecorded) if the Borrower’s Title is obtained by a foreclosure action. If the deed is unavailable when filing a Claim, let us know and if a GSE is the investor, we will attempt to waive this requirement by visiting their website to validate the foreclosure sale and the foreclosure bid amount.
  • A copy of the deed from the Borrower (which may be unrecorded) if a Voluntary Conveyance/Deed in Lieu was accepted in lieu of foreclosure.
  • A copy of the final HUD 1 settlement statement or Closing Disclosure (as may be applicable) in the event of a Third-Party Sale prior to or after the foreclosure, but prior to the settlement of the Claim.
  • A copy of the payment history covering the Default period.
  • Evidence of the bid amount and the proceeds from a Third-Party Sale at the foreclosure sale (if applicable).
  • A copy of any recent appraisals or broker price opinions if available (not required).

If additional documentation is needed, we will contact you shortly after we receive the Claim for Loss.

For a complete list of documents that may be required, please read section 8.4 in the Default and Claims Servicing Guide.

You can also email lossmanagement@essent.us or call (877) 331-9077 for more information. Our dedicated associates are available to assist you Monday through Friday, 9 a.m. to 5 p.m. Eastern Time.

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