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I'm escrow pay but received a notice about a missed payment - what should I do?

If you're escrow pay and receive a notice about a missed payment or pending cancellation, your mortgage company may not have paid your premium on time. You have options to resolve this.

Option 1: Wait for your lender to pay

  • Kin has notified your lender that payment is due and when the policy is pending cancellation for nonpayment
  • Your lender should process the payment, but your policy runs the risk of cancelling in the meantime

Option 2: Make a one-time payment if you want to prevent cancellation immediately:

  1. Log into your customer portal at Kin.com
  2. Go to the Payments page for the policy that needs payment
  3. You'll see the outstanding payment with a red box alert
  4. Click Make Payment on the transaction OR click the Make Payment button in the red alert box
  5. Enter your credit card information
  6. You can choose whether to save the card on file (optional)
  7. Submit your payment
  8. If payment is successful, your policy will no longer be pending cancellation and will be in good standing!
  9. If we receive a duplicate payment from your lender, we will refund you the amount sent by your lender.
    1. For more details on refunds, see the article How Long Do Refunds Take and Where Will They Go?


Important notes:

  • Making a one-time payment does NOT change you from escrow to credit card pay
  • You'll remain as escrow pay
  • Your lender should still handle future payments
  • This is an exception to prevent cancellation

 

Common reasons why this happens:

  • Your mortgage company didn't process the payment on time
  • A change in escrow servicer

 

Need support? Contact Kin customer support via Chat or at 855-216-7674 for assistance.