Here is the situation, Bank of America, my mortgage company, placed forced insurance on my home ( I also had homeowner 's but it expired during this timeframe ). In XXXX in the fall right around the time of Hurricane XXXX, a 200 year old tree fell on and halfed my house, taking out XXXX bedrooms, the roof and more. 
I notified the bank and after a long time an adjuster came out and a determination was made that the damages amounted to over {$80000.00}. Well, since XXXX, Bank of America, despite calls and letters, has not released any of those XXXX repair funds and my home has been broken into, items stolen, rain, mold, further damage has been sustained and I have requested that the full insured value of the home insurance policy be released over {$300000.00} based on new damages due to the fact that the bank was untimely and has withheld ( and still is withholding the XXXX repair assessment PLUS EARNING interest ). Previously they released in XXXX funds they had held onto and earned interest on ( though they did not give me the interest earned XXXX from XXXX and XXXX in XXXX!!!. The home now needs to be DEMOLISHED and completely rebuilt which is why I need the full value of the forced Bank of America forced insurance policy NOW. We have been unable to occupy the home since the damages and the place we were renting is now being sold and we are homeless and living with relatives out of state. My loan was recently modified by the bank but I told them I can not afford to pay the mortgage for a home that is condemned and we ca n't occupy AND pay rent. Please force BOA to release the full value of the policy so the home can be demolished and rebuilt. I am also incurring fines/fees from XXXX XXXX based on the condition of the property. I have written to BOA, contacted XXXX XXXX and XXXX and XXXX, who helped me purchase the home in XXXX. 

Bank of America has placed forced insurance on my home in the past and when claims were filed NEVER paid them out and added insurance onto the property though they had documentation that I had purchased my own homeowner 's policy. Now they have been holding onto the insurance repair funds for OVER three years while the property steadily deteriorates and expects me to pay the mortgage for a place that is uninhabitable and can not me made habitable because they have not released the insurance funds to repair it WHICH are No Longer Enough to repair the home which has toxic black mold, water damage, animals inside ( squirrels, mice, raccoons, etc. squatters, thieves have ransacked it and my personal contents. ). 
