We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days. 
