I have owned a property in Hawaii for quite sometime and have always had full hazard insurance on it. Last year I got a letter from XXXX XXXX XXXX saying I needed to add Hurricane insurance on the property. I do mortgage loans and know that most banks do n't require hurricane insurance. I was forced to buy it from a company called XXXX said they would put expensive insurance on it. XXXX then sold the loan to greentree and then it went to ditech. I called ditech to get out of the added insurance but they said it was wind and hail insurance. There 's no Hail in XXXX. A woman named XXXX in their insurance department said it was ditech 's policy. 
I do n't think the bank that purchased my loan should be able change the contract and add an additional insurance cost as a requirement. Some banks for years have been trying to say that it 's a state requirement to have hurricane insurance in XXXX. It 's not - it 's a racquet. 
