Chase Manhattan Mortgage Company Flood insurance ripoff. Columbus Ohio

In May 2002 Chase Manhattan informed me that I was required to buy flood insurance because my house was in a Special Flood Hazard Area (SFHA). I complied to avoid adverse action by Chase.

Over the next 18 months, I was able to assemble conclusive proof (obtained from FEMA) that my house was not in a SFHA, and never had been. Chase issued a letter releasing me from the flood insurance requirement; however, this does not change the fact that I paid over $1,000 for two years' flood insurance that I did not want or need.

I wrote Chase and demanded reimbursement; this was ignored as I expected. Thus, I'm still out over $1,000. Short of suing Chase in small claims court, I see no recourse.

I would like to hear from anyone who has sued their mortgage company. I have some concern over possible retaliation by Chase(although I know it is illegal to retaliate for legal action). But I feel I am shirking on an important consumer responsibility by not taking action.

Sam
Delaware, Ohio
U.S.A.