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438 Bfu Form

438 Bfu Form

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Instructions and help about form 438bfu

this is barrys alma selma on insurance today i'd like to speak about the importance of the union or standard mortgage clause to every first party property claim where mortgage secure is secured by the property that is the subject of the claim since properties are frequently if not mostly encumbered by mortgages most first-party property policies contain provisions that protect the mortgagees interest in the event the insured property is damaged or destroyed these clauses protect the security interest the mortgage holder has in the property historically there have been two types of mortgage clauses one a loss payable or open mortgage clause which only provides that loss shall be payable to the mortgagee as interest may appear most courts have construed the phrase as interest may appear as referring not to the mortgagees interest in the insured property but rather to the amount of debt owed to it secured by the mortgage or deed of trust two the standard or union mortgage clause f

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