Loan transfers are stressful enough — and then the insurance questions start piling up. Where do you send your documents? What happens if Valon is not listed on your policy yet? Ignoring these questions can lead to extra charges and coverage problems that take weeks to fix. This guide walks you through everything connected to the Valon Mortgage Insurance Department so you can get ahead of every issue before it becomes a problem.
Every question about insurance and your Valon loan has a clear answer inside this guide. The Valon Mortgage Insurance Department covers everything from contact addresses to PMI cancellation to switching carriers without losing coverage.
What Does the Valon Mortgage Insurance Department Handle
This department oversees every insurance function tied to your mortgage account. This covers property insurance compliance, lender-placed insurance, damage claims, private mortgage insurance tracking, and premium payments through your escrow account. Any borrower serviced by Valon will deal with this department at some point.
Knowing how it operates saves you time, money, and unnecessary phone calls.
Property Insurance vs. Private Mortgage Insurance — Key Difference Every Borrower Must Know
Many borrowers mix these up — and that leads to missed steps.
Property insurance covers your home against physical damage like fire or storm. Your lender requires it for the life of your loan. PMI is a different product entirely. It protects the lender if you default and is required when your down payment was under 20%. Both fall under this department but follow completely different processes.
Contact Information and Mailing Addresses
Sending paperwork to the wrong location is a common mistake that delays processing. Valon has separate mailing addresses depending on the type of document you are sending. Always match the document to the right address.
Where to Send Insurance Claim Documents and Checks
For property damage claim paperwork and loss draft checks, use this address:
ATTN: Loss Draft Department Valon Mortgage, Inc. P.O. Box 29416 Phoenix, AZ 85038
Write your loan number on every piece of paper you send. Missing loan numbers cause delays every time.
Where to Send Mortgagee Clause Updates and Other Insurance Documents
For updated certificates, policy binders, and other general documents, the address for submissions is:
Valon Mortgage, Inc. and its successors and/or assigns PO Box 29415 Phoenix, AZ 85038
You can also email documents.This is an automated inbox that routes your files directly to the document processing team.
Email and Phone — Which Channel to Use for Which Request
| Task | Contact |
|---|---|
| Submitting insurance documents or certificates | valon@ihaveinsurance.com |
| Questions about your insurance account | support@valon.com |
| Mortgagee clause update help via phone number | 833-828-0431 (Mon–Fri, 9AM–8PM ET) |
| Property damage claim questions | 833-888-6810 |
Keep your loan number ready before reaching out. Every team member will ask for it first.
Mortgagee Clause — Why Valon Must Be Listed and How to Update It
When your loan transfers to a new servicer, your insurance policy does not update automatically. Your insurance company still has your old servicer listed as the party with financial interest in your home. Until you fix this, Valon cannot receive payments or important notices on your behalf. This one step protects your coverage and keeps your account in good standing from day one.
If you need additional assistance, the contact information provided in our Valon Mortgage Phone Number guide can help you reach the appropriate department quickly.
What the Mortgagee Clause Does and Why It Protects Your Home
This clause on your homeowner policy tells the insurance company who holds a financial interest in your property. Without an updated clause, payments get misdirected. When damage occurs, it directs payment to the right party. If Valon is not listed, the payment cannot reach them — and your repairs get stuck in delays that take far longer than they should.
This is not a formality. It directly affects how fast you recover.
How to Update the Mortgagee Clause With Your Insurance Agent
Updating the inc mortgagee clause takes a short conversation with your agent. Here is how:
- Contact your insurance agent by phone or email
- Share your Valon loan number with them
- Ask them to update the clause to: Valon Mortgage, Inc. and its successors and/or assigns, PO Box 29415, Phoenix, AZ 85038
- Ask them to email the updated certificate
- Upload a copy to your Valon online account as a personal backup
Some agents require a signed authorization form from you before making any changes. Have that ready if needed.
The 45-Day Deadline After Loan Transfer — What Happens If You Miss It
Valon strongly encourages borrowers to send their updated certificate within 45 days of the transfer date. Letting this slide has real consequences:
- Valon may stop receiving your premium bills and renewal notices
- Your policy on file becomes outdated and unverifiable
- Valon may be forced to purchase lender-placed insurance for you at a much higher cost
Lender-placed insurance is more expensive and covers far less than a policy you choose yourself. A quick call to your agent now prevents a much bigger headache later.
Lender-Placed Insurance — What Triggers It and How to Get Rid of It
Lender-placed insurance, sometimes called force-placed insurance, is a policy Valon buys on your behalf when they cannot verify that your home is covered. It is not a punishment — it is a requirement tied to your mortgage agreement. Your loan terms require active property coverage at all times, and if Valon cannot confirm yours, they are legally required to purchase it for you.
How Valon Notifies You Before Force-Placing Insurance on Your Property
Valon does not place insurance on your home without going through a process first. They try to reach your agent, then send you a written notice with a deadline. Force-placed insurance only happens after that window closes. Act on the notice as soon as it arrives.
How to Submit Proof of Coverage and Request a Refund From Valon
If lender-placed insurance was purchased but you already had valid coverage during that period, you are entitled to a refund. Send proof of your existing policy to Valon Mortgage, Inc., PO Box 29415, Phoenix, AZ 85038. Valon may take up to two weeks to process the refund after receiving your documents. You will receive a credit applied to your account for the overlapping coverage period.
How to File a Property Damage or Insurance Claim Through Valon
Filing a claim when your home has been damaged is already stressful. Knowing exactly what Valon needs from you and in what order makes the process move faster. Valon cannot release any funds until the paperwork is complete, so getting organized from the start saves you days of back and forth.
How to Start Your Claim and Access the Valon Claim Packet
After notifying your insurer, go to propertyclaimcenter.com/valon/login to access your claim packet. It contains every required form and a step-by-step walkthrough. Review it fully before filling anything out.
How the Insurance Check Endorsement Process Works
When your carrier issues a settlement check, do not deposit it yet. Send it to the Loss Draft Department so Valon can endorse it first. Once returned, you sign and deposit the funds for repairs. Your claim packet explains any variations based on claim size.
Documents Valon Requires Before Processing Any Payment
Valon holds all payments until every required document is verified. Your claim packet lists exactly what is needed. Email completed documents for the fastest response. An incomplete packet only adds delay.
Private Mortgage Insurance (PMI) — Requirements, Cancellation, and Valon’s Self-Serve Tool
PMI is one of the most misunderstood parts of a mortgage. Many borrowers pay it for years without knowing they could have canceled it sooner. Valon gives you two ways to request cancellation and an online tool to check your eligibility in seconds — but you have to know where to look and what qualifies you.
When Is PMI Required on a Valon Mortgage Loan
PMI applies when your down payment was under 20% at closing. It is added to your monthly payment and stays active until your balance drops to a qualifying threshold. You do not have to wait for automatic termination.
Two Ways to Cancel PMI — Original Value vs. Current Value Method
Original Value Method: Request removal when your loan balance hits 80% of your home’s original value at closing. Valon cancels PMI automatically at 78% by law.
Current Value Method: If your home has appreciated, you may qualify sooner. The loan must be at least two years old with a balance at 75% or less of current appraised value. For loans over five years old, the threshold is 80%.
How to Cancel PMI Using Valon’s Online Self-Serve Tool
Log into your Valon account and navigate to the Escrow page. The PMI Cancellation Self-Serve Tool runs an instant eligibility check. If you qualify, you can submit your cancellation request directly from the tool. If you do not qualify yet, the tool shows exactly what is standing in the way and what needs to change before you can move forward.
If you have trouble accessing your account, follow our Valon Mortgage Login guide for step-by-step instructions before starting the PMI cancellation process.
How to Switch Insurance Carriers While Serviced by Valon
Switching your home insurance provider while your loan is with Valon is completely allowed — but it requires a few specific steps to avoid coverage gaps, missed payments, or accidental double billing. Getting this right takes less than ten minutes and protects your escrow account from unnecessary charges.
Steps to Notify Valon After Changing Your Insurance Provider
Once you have finalized a new policy, email a PDF copy with your loan number in the subject line. Confirm Valon is already listed on the new policy before sending. Do this before your current policy expires so there is no gap between coverage periods.
How Valon Handles Escrowed Insurance Payments During a Carrier Switch
If your premium is paid through an escrow account, Valon pays your new carrier directly once they receive the updated policy. No out-of-pocket payment is needed from you — just make sure the policy is on file before the due date.
How to Cancel Your Old Policy and Avoid Double Payment
Right after switching, cancel your previous policy and send the cancellation notice. If Valon does not receive this notice, they may send a payment to your old carrier to prevent a lapse — which means two active policies and a billing problem that takes time to untangle. The cancellation notice takes two minutes to send and saves a lot of trouble.
How Valon Handles Insurance Payments Through Your Escrow Account
Most homeowners do not realize that Valon offers more than just loan servicing. Through Valon Insurance Agency, you can compare home insurance quotes, explore specialty coverage options, and potentially lower what you are paying right now. The service is built directly into your Valon account and backed by a network of licensed agents.
Is Your Insurance Premium Escrowed or Paid Directly
Log into your Valon account to check your setup. If your premium is collected monthly as part of your mortgage payment, Valon sends the full amount to your insurer when due. If not, you pay your insurer directly on your own schedule.
What Causes an Escrow Shortage Due to Insurance Premium Increases
When your premium increases at renewal, your account may not have enough set aside. Valon runs an annual analysis to catch shortages before they cause missed payments. If one is found, your monthly payment increases slightly until the balance is restored.
How to Authorize Your Insurance Agent to Work With Valon
Some agents require written permission before updating your policy or sharing information with Valon. This is standard industry practice.
How to Submit Authorization — Online Account vs. PDF Form
Log into your Valon account and add your agent as an authorized third party through account settings. If you prefer paper, download the form from the Valon Help Center.
Valon Insurance Agency — Compare and Upgrade Your Home Coverage
Valon connects homeowners with licensed insurance agents through its partnership with VIU by HUB. These agents compare quotes from multiple carriers and present your options in one place. If your current policy feels too expensive or lacks coverage, this service helps you find better options without contacting multiple companies on your own.
How the Valon and VIU by HUB Partnership Works
Valon has partnered with VIU by HUB to give homeowners access to competitive coverage without the hassle of shopping alone. Licensed agents compare quotes from multiple carriers and walk you through your options clearly.
What a Broker of Record Transfer Is and How to Request One
A broker of record transfer shifts management of your policy to VIU by HUB without changing your carrier or coverage. There is no cost and no interruption. Log into your Valon account, go to the Explore page, and follow the prompt if your carrier qualifies.
Coverage Types and Discounts Available Through Valon Insurance Agency
Valon Insurance Agency helps you compare standard coverage alongside options for flood, earthquake, short-term rentals, and jewelry. Discounts may apply based on home security systems, age, proximity to a fire station, and other factors.
Common Insurance Mistakes Valon Mortgage Borrowers Make
- Waiting past the 45-day window to update your clause after a loan transfer
- Mailing documents without including your loan number
- Not sending a cancellation notice after switching carriers — leading to double payments from escrow
- Submitting an incomplete claim packet and then waiting on Valon to take action
- Depositing an insurance settlement check before Valon has endorsed it
- Assuming lender-placed insurance provides the same level of coverage as a personal policy
Conclusion
From updating your policy documents to filing a damage claim to removing PMI, the Valon Mortgage Insurance Department has a defined process for every situation a homeowner might face — and now you have a clear picture of how each one works. The addresses, contact details, deadlines, and step-by-step instructions covered here give you everything you need to manage your insurance without confusion or delay. That promise made at the start of this guide has been kept — you now have the complete playbook for working with the Valon Mortgage Insurance Department from day one.
Frequently Asked Questions
Q1: What Does the Valon Mortgage Insurance Department Handle?
The Valon Mortgage Insurance Department manages property insurance compliance, lender-placed insurance, damage claims, PMI tracking, and escrow-based premium payments for all borrowers whose loans are serviced by Valon.
Q2: What Triggers Lender-Placed Insurance With Valon?
Valon purchases lender-placed insurance when they cannot verify your home is covered. They first contact your agent, then send you a written notice with a deadline. If no proof of coverage is received, they buy a policy on your behalf at a higher cost.
Q3 What Happens If You Miss the 45-Day Insurance Deadline After a Loan Transfer?
Missing the 45-day window means Valon may not receive your premium bills or renewal notices. Your policy on file becomes outdated and Valon may be forced to purchase lender-placed insurance, which costs more and covers less than your own policy.
Q4: When Can You Cancel PMI on a Valon Mortgage?
You can request PMI cancellation when your loan balance reaches 80% of your home’s original value. Valon cancels it automatically at 78%. If your home has appreciated, you may qualify sooner using the current value method.
Q5: What Documents Does Valon Require Before Processing an Insurance Claim Payment?
Valon will not release any insurance claim payment until all required documents are received and verified. Your claim packet lists exactly what is needed. Email completed documents for the fastest processing time.
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