Quick update on the good hands people....
I heard nothing and I wasn't mentally or emotionally really up to calling them and dealing with it. Lots of other things going on to deal with... and I was prioritizing how much my brain could take.
I finally had a moment where I was prepared to deal with the next step. Checked our account online first - two policies listed - one said pending third party payment.
Well, that 3rd party is our home mortgage company as we pay our insurance monthly to them; they keep it in escrow and pay it out once a year. That yearly payment was JUST paid 3 weeks ago so there is no way they are paying another (there is no funds built up in the escrow account obviously). So, like it or not, I had to call.
I didn't call original office bimbo. I called the young woman who picked up the ball later on and actually knew how to play.
"Let me see if she's at her desk...."
"Oh gee, sorry. Looks like you just missed her. She must have just gone to lunch." "Can I take a message?"
"Could I have her voicemail?"
"Oh! Uh, sure!"
Left a message. She called back about an hour or so later.
Current situation... everything looked good with the inspection. She had sent payment notice to the mortgage company so they would have the new policy papers and next; she will transfer the funds from the first policy over to the 2nd (new) policy and whatever leftover funds there are, we should get as a refund check. She is also canceling the 1st policy so we don't have to do that or worry about it. We do nothing at this point with them...
The next thing I know to anticipate is a mix up with the mortgage company.
3 weeks ago they paid out our original policy renewal. Because it had gone up about $300 they will be sending us a letter saying "you won't have enough in your escrow account so give us more money now please and by the way your monthly payment is going up again...."
EXCEPT now I really have to confuse them because I will then call them and say, "Hey, see how you just entered a new policy last week? It's $500 cheaper... so now we are actually OVER paying and you need to do an account review AGAIN and send us a letter telling us our monthly payment is going DOWN instead of up! Isn't that great!?"
Are we having fun yet?