Tower Hill Insurance did not process my check from mortgage company ,in escrow, in a timely manner,that resulted in a duplicate payment. Mortgage comapny disbursed check on Dec 10th and wasnt posted on insurance renewal date of Dec 17th, which required me to write another check. 19 days later I still havent received my refund check. I was told it was mailed on December 28th. Does it take a ch. eck 7 business days to be received?Someone is holding the money. Gainesville Florida

You never submit payments directly when you have an escrow account.  Ever.  Let the bank distribute the money; you pay them, they will forward.

"As a result I had to send them a personal check on the 17th to avoid cancellation of my policy"

This is misleading; your policy would have been restored retroactively in full-force upon reciept of payment.  You did not name your mortgage company but a phone call to them could have resolved this.

When duplicate payments are received it may take additional time to sort out; generally overpayment is refunded directly to the property owner.  

Tower Hill did no wrong here.  You and your mortgage company are to blame.

I have worked in the real-estate profession for 15 years and dealt with closing agencies, county clerks, appraisals, and insurance referrals.