Provident Funding Loan Servicing Provident Funding Mortgage is Ripping me off for what they claim to be a lapse in insurance coverage, an extra $400.00 a month added to my mortgage Santa Rosa, California

Provident Funding Mortgage has added over $400.00 more to my mortgage payment, due to what they claim to be a lapse in coverage for four months. I provided the company with the time frame of the lapse as well as have coverage after, they opened an escrow account and automatically take the additional monies out of my personal account for the four months. When I asked how long was this going to be done, they said the for the balance of the loan, and that will be over 30 years.  I did not have a claim and they did not take over the loan until April, I could understand if the claim was correct then they only charge me for the four months I am behind but not for the balance of the loan.  This is a RIP OFF! This will be reported.