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Perry Said:

Can you legally be charged for Flood Insurance for a period 3 years in the past?

We Answered:

You're going to need to pull your original loan papers.

IF when you took out the loan, you were NOT required to carry flood insurance, then they can't make you add it. If there is a provision for a revision, that would subsequently make you carry flood insurance, there's no doubt a notification period - and they apparently have violated that.

Your loan is under the ORIGINAL terms. Now, if it was originally requiring flood insurance, and someone there missed it on the paperwork, and you signed that you will carry flood, then yes, they can "back rate" you for those three years.

HOWEVER. Unless the original contract has a provision in it, for your property BECOMING a flood zone during the loan term, they can't make you buy it.

Additionally, putting "forced placement" flood coverage on the property doesn't cover YOU one bit! It only covers THE LOAN BALANCE OWED TO THE BANK.

So, there isn't enough info to answer this, except you ARE doing almost everything you need to, in contesting this. But DO pull your loan papers and READ EVERY WORD. Feel free to bring them to your homeowners agent to help you with it, if you want. They should be willing to help.