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Your loan just moved to a new servicer, and now your insurance renewal notice is sitting on the kitchen counter. The mortgagee box is blank, and you have no idea what to write there. Have you opened your policy, stared at that empty line, and felt stuck? A wrong or outdated Carrington Mortgagee Clause can delay your insurance claim or even leave your home without proper coverage during a loss.
This guide clears up every part of the process. You will get the exact address, the correct format, and the exact steps to update your policy the right way. By the end, you will know precisely what to hand your insurance agent so your file stays clean and your coverage stays active.
What Is a Mortgagee Clause?
A mortgagee clause is a short line on your homeowner’s or flood policy. It names your loan servicer as a party with a financial interest in your home. This clause protects the lender’s investment if your house gets damaged and a claim gets paid out.
People often mix up a mortgagee clause with a loss payee clause. A mortgagee clause covers your primary home loan and gives the servicer certain legal rights under the policy. A loss payee clause is used for other secured items, like a manufactured home loan or personal property financing, and it carries fewer protections. If your Carrington Mortgage loan is on a standard home, you need the mortgagee version, not the loss payee version.
This clause also gives Carrington the right to be notified before your coverage lapses. Insurers are required to send a notice to the mortgagee, not just the homeowner, if a policy is set to cancel. That single rule is why the wording has to be exact. A missing or wrong Carrington Mortgagee Clause means that notice never reaches the right desk, and your coverage can lapse without anyone catching it in time. For any guidence email us on james@allthings-mortgage.com.
Carrington Mortgagee Clause Address (ISAOA/ATIMA)
This is the part most homeowners search for first. Getting this address wrong is the single biggest reason insurance updates get delayed. Below are the correct addresses for each type of Carrington account.
Standard Carrington Mortgage Services Address
If your loan is serviced directly by Carrington Mortgage Services, use this format on your policy:
- Carrington Mortgage Services, LLC
- ISAOA/ATIMA
- PO Box 692408
- San Antonio, TX 78269-2408
ISAOA/ATIMA stands for “Its Successors and/or Assigns as Their Interest May Appear.” Insurance companies use this phrase so the policy stays valid even if your loan gets sold or transferred later.
Movement Mortgage Powered by Carrington Address
Some borrowers have a loan handled through Movement Mortgage, which uses Carrington’s servicing platform behind the scenes. For these accounts, correspondence and insurance updates go to:
- Movement Mortgage, LLC powered by Carrington Mortgage Services, LLC
- P.O. Box 5001
- Westfield, IN 46074
This is a separate address from the standard Carrington line, so double check your welcome letter before mailing anything.
Carrington Wholesale / Correspondent Loss Payable Address
Wholesale and correspondent loans, the kind originated through a broker, sometimes carry a different loss payable clause tied to Carrington’s Orange, California office. Your closing documents or your broker will confirm which version applies to your file. This detail matters most during the first few weeks after closing, before your loan settles into standard servicing.
Carrington Phone & Contact Details for Insurance Updates
Calling ahead saves you from mailing a form that never gets processed. Carrington’s customer service line can confirm your account details before you contact your insurer. For every direct line, department extension, and hours of operation, check the full Carrington Mortgage Phone Number directory before you dial.
How to Correctly Format the Mortgagee Clause on Your Policy
Your insurance agent needs the wording typed exactly as Carrington provides it. One missing detail can bounce your update back and force you to start over.
Common Formatting Mistakes to Avoid
- Adding a suffix like Jr. or Sr. after the company name, which does not belong on the clause
- Leaving off ISAOA/ATIMA, which can void certain protections tied to future loan transfers
- Using an old PO Box number pulled from a previous servicer’s letter
- Skipping the loan number on the correspondence sent to your insurer
- Writing “Carrington” alone without the full “Carrington Mortgage Services, LLC” name
A clean, accurate Carrington Mortgagee Clause on file means your insurer and your servicer are both reading from the same page during a claim.
When You Need to Update Your Carrington Mortgagee Clause
Most homeowners only think about this once, right after their loan transfers. But a few other situations call for a fresh update too. A policy renewal, a switch to a new insurance carrier, or a refinance all reset the clock on this task.
If you recently closed out your loan, note that a payoff does not automatically remove your mortgagee clause from active policies. Review your Carrington Mortgage Payoff Request paperwork and ask your insurer to drop the clause once the payoff posts. Skipping that step can leave an old lender listed on your policy for years.
New homeowners run into this task too. If you just closed on a house with a Carrington loan, your insurance agent needs the clause on file before your closing date, not after. Waiting until the last minute is the top reason closings get pushed back a day or two. Set a reminder the same week you sign your loan documents so the update happens early.
Step-by-Step Guide to Updating Your Mortgagee Clause
Follow these four steps in order. Rushing ahead and skipping the first step is the most common reason people submit the wrong address to their insurer.
Step 1 – Verify Your Account Details with Carrington
Log into your account through Carrington Mortgage Login and check your name, loan number, and property address. A small typo here carries straight through to your insurance file.
Step 2 – Contact Your Insurance Provider
Call your homeowner’s or flood insurance company using the number on your policy. Tell them your loan servicer changed and that you need to update the mortgagee clause on file.
Step 3 – Request the Mortgagee Clause Update
Give your insurer the exact address block from this guide, along with your Carrington loan number. Ask them to read it back to you before ending the call.
Step 4 – Get Written Confirmation
Request an updated declarations page or a confirmation email showing the new Carrington Mortgagee Clause on file. Save this document with your other loan paperwork in case a dispute comes up later.
Special Insurance Requirements
Not every property follows the same rule set. Two situations trip up homeowners more than any other.
Hazard Insurance vs. Flood Insurance
Hazard insurance protects the physical structure of your home from fire, wind, and similar damage. Flood insurance is a separate policy entirely, often through the National Flood Insurance Program, and it needs its own mortgagee clause listing. If your home sits in a flood zone, both policies must carry the correct Carrington address, or a claim on either one can stall.
Condo, PUD, and Multi-Unit Properties
Condo and planned unit development owners often rely on a master policy that covers the building as a whole. Carrington still requires the mortgagee clause listed correctly on your individual unit’s coverage, even when a blanket policy exists for common areas. Check with your HOA to confirm both policies list the right servicer information.
Multi-unit rental properties carry one more layer. Each unit on the property needs coverage that meets the lesser of the full replacement cost or the maximum amount allowed under the applicable insurance program. Talk to your insurance agent about how many units your policy needs to list, since one blanket number rarely covers every case correctly.
What Happens If You Don’t Update the Mortgagee Clause
An outdated Carrington Mortgagee Clause does not cause a problem right away. The trouble shows up the moment you file a claim, when the insurance check gets issued jointly to you and whichever lender is listed, even if that lender no longer services your loan. That can add weeks to your repair timeline while the payment gets sorted out. For claims already stuck in this exact situation, the Carrington Mortgage Insurance Department guide walks through how to get funds released faster.
There is also a quieter risk that many homeowners never notice. If Carrington cannot confirm active insurance on your home, your servicer can place a forced insurance policy on your account and add that cost straight to your monthly payment. Forced-placed coverage almost always costs more than a standard homeowner’s policy, and it often protects only the lender, not your personal belongings. Keeping your clause current is the simplest way to avoid that extra charge showing up on your escrow statement.
Troubleshooting Common Mortgagee Clause Issues
| Problem | What To Do |
|---|---|
| Old servicer still listed on your policy | Call your insurer and request an immediate mortgagee clause correction |
| Insurance company is slow to respond | Try a different contact method, then ask to speak with a supervisor |
| CMS records and insurer records don’t match | Contact both parties together to confirm the same loan number and address |
| Can’t locate your policy number | Check your last billing statement or your online insurance portal |
| Escrow account shows a missed insurance payment | Verify your policy renewal date matches your Carrington Mortgage Payment schedule |
If your insurer needs written proof of your loan status, you can request a document by reaching out to james@allthings-mortgage.com for guidance on what to send.
Conclusion
Getting your Carrington Mortgagee Clause right does not have to feel confusing anymore. You now have the exact address, the correct format, and a clear four-step process to hand your insurer. Following this guide keeps your claim check flowing to the right place and your coverage active without gaps. That empty line on your renewal notice is no longer a mystery.
Frequently Asked Questions
What happens if I don’t update it?
Your insurance claim check may get issued to the wrong lender, which delays repairs. Carrington also may not receive proof of active coverage, which can trigger a forced-placed insurance charge on your escrow account.
How often should I review my mortgagee clause?
Review it once a year at policy renewal, and again anytime your loan transfers, you refinance, or you switch insurance carriers. A quick yearly check takes minutes and prevents claim delays later.
Who do I contact if CMS and my insurer disagree?
Call both parties on a single phone session so they can compare loan numbers directly. Mismatched records usually get fixed within one call once both sides confirm the same account details.
Can I update it online instead of calling?
Some insurers accept updates through their online portal or a secure document upload. Carrington itself does not update your policy directly, so you still need to notify your insurance company separately.
Where do I send documents if my insurer asks for written confirmation from Carrington?
Request a servicing letter through your online account or ask a representative during your call. If you need help preparing the right documents, james@allthings-mortgage.com can point you toward the correct paperwork.
