Servicing Guide

Published September 9, 2020

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What is considered acceptable evidence of property insurance coverage?

The following is acceptable evidence of property insurance:

  • the original insurance policy or a short form certificate of insurance showing all of the necessary information and signed by the insurer, or

  • data files including sufficient information about the insurance policy, the property, and the borrower, provided the following requirements are met:

    • The data file is equivalent to a printed policy and includes sufficient information to evidence compliance with Fannie Mae’s requirements.

    • The servicer’s errors and omissions insurance policy acknowledges electronic data transfers and fully protects the servicer and Fannie Mae against losses resulting from erroneous data files or transfers.

    • The servicer can produce legible hard copies of the insurance policies and proof of premium payments to Fannie Mae upon request.

For more information please see: B-2-01, Property Insurance Requirements Applicable to All Property Types.

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If you have additional questions, Fannie Mae customers can visit Ask Poli to get information from other Fannie Mae published sources.

Guide Resources

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Visit Selling and Servicing Guide Communications and Forms

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