In April on 2002 closed mortgage loan. I paid the first year's homeowner's insurance upfront before closing (like a good girl). I acquired insurance through Ohio Fair Plan. In June 2002, I received a letter from Ohio Fair Plan saying that the ACTUAL annual premium was $221 more than what I paid before closing. My Escrow paid the $221 to Ohio Fair Plan, no questions asked. By November of 2002 I sought insurance elsewhere. I acquired a homeowner's policy that was a real policy for about $225 less than Ohio Fair Plan. My agent faxed a copy of the declaration page, along with the bill to my escrow. Simultaneously, Erie, my new insurance company, mailed a copy of the same material to my Escrow agent. Long story shorter...my Escrow didn't pay my insurance until July 17, 2003 at which time my policy was irreverseably cancelled. I spoke to them on July 7, 2003 and they said they would overnight the payment to Erie. All they had to pay was $404 less $257 (refund from Ohio Fair Plan signed over to insurance agent and applied to policy). The money was there to pay this, period. They paid $403 on July 17, 2003 to Erie who in turn sent a check to me. I don't have insurance! The customer service supervisor at the Escrow department was supposed to call me back LAST Monday within 24 to 48 hours. It has been over a week now. Would it be safe to say that they are looking for reasons that would not make them liable for this? HELP!!!!