PHH Mortgage Corporation Lender Force-Placed Insurance Settlement

Settlement Structure: Claims Made

Active: Closed

Closed Settlement Statement:

According to court documents, the claim submission deadline has passed. Please contact the claims administrator if you have any questions.

Case Summary:

LPI (lender-placed insurance) is placed on a property by a lender when a borrower’s insurance policy lapses or when the borrower does not maintain an acceptable homeowner insurance policy. When PHH Mortgage placed an LPI policy on a property, it paid the premiums to the insurer and then charged the borrower for the premiums. This class action alleges (1) that PHH placed these insurance policies in such a way as to receive kickbacks from the insurer, and also (2) that the way in which the policies were placed made the premiums excessive. 

Docket Number:


Filing Deadline: October 27, 2017

Class Period: January 1, 2006 to July 31, 2015

Objection Deadline: June 27, 2017

Exclusion Deadline: June 27, 2017

Final Approval Hearing: July 27, 2017

Proof of Purchase:

Maybe; those who choose a cash award and who no longer have a mortgage with [PH] must provide proof of identity.


You may be eligible if you were a borrower in the US,

  • During the class period, between January 1, 2006 and July 31, 2015,
  • Were charged by PHH Mortgage Corporation for a hazard, flood, flood gap, or wind-only LPI policy for a residential property, and
  • During the class period you paid the net premium to PHH, or you did not pay it and still owe it.

Excluded from the class are those who had LPI policies that were cancelled in such a way that all premiums were fully refunded.

If you paid all or a portion of the premium, you may be eligible for a cash award. If you did not pay but still owe the premium for the policy, you may be eligible for a credit towards what you owe, or possibly a partial cash award.

Typical Settlement Amount:

Varies; cash award or credit (towards what you currently owe PHH) of a percentage of the Net Premium charged to you during the Class Period. For those charged for a flood or wind LPI policy, or a hazard LPI policy on or after February 1, 2014, the credit or payment will be 6% of the Net Premium. For those charged for a hazard LPI on or before January 31, 2014, the credit or payment will be 11.5% o

Total Settlement Amount: Unknown

Class Representative Proposed Incentive Fee:


Law Firms:
Harke Clasby & Bushman
Kessler Topaz Meltzer Check LLP
Kozyak Tropin & Throckmorton

Claim Form: PHH Lender Placed Insurance Litigation Settlement Claim Form

Case Name: In re PHH Lender Placed Insurance Litigation

Settlement Website: PHH Lender Placed Insurance Litigation Settlement Website

Claims Administrator:
JND Legal Administration

Claims Administrator Contact Information:

Gallo/Finch/Burroughs Settlement Center

c/o JND Legal Administration

PO Box 6878

Broomfield, CO 80021


Tags: Deceptive Insurance Practices, Forced Placed Insurance, Overcharges to Insurance Companies/Insured People