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virgotendencies88 OP t1_j4o7vsv wrote

Reply to comment by Maleficent-Guess8632 in Noisy and ignorant neighbors, who almost set the house on fire. by virgotendencies88

They unfortunately own it. We own the master policy, as we have been here for a while and they’ve also failed to pay their share of property insurance the past 2.5 years.

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surmisez t1_j4onjn7 wrote

Find out who holds their mortgage and inform them of the lack of hazard insurance. The bank will give them forced insurance, which will be very expensive, and will jack up their monthly mortgage payments.

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virgotendencies88 OP t1_j4pw1uj wrote

How do I find that info?!

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surmisez t1_j4pylyn wrote

Go to: https://www.nhdeeds.org/

Click on your county, accept the disclaimer at the bottom of the page, click on AVA search, enter your neighbor's last name and first name, then hit enter or click submit.

Their mortgage company will be listed along with their name(s) as the lien holder. Their mortgage number will probably be listed as well.

Then you can do a search for contact information on that mortgage co/bank and get in touch with them via phone or email. Tell them about the small vent fire and I'll guarantee they'll send out an inspector to conduct a through safety inspection on their half of the property.

If they have a trampoline, above/below ground pool, fireplace, wood burning stove, or other hazzards, they will need to be within safety compliance.

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Maldonian t1_j4qyn35 wrote

I had to look up something completely different from OP’s situation, but I’d never heard of this site. Thanks a lot for your comment and link.

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FairCut7009 t1_j4po7gr wrote

Also put a lien on their property for unpaid balance.

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virgotendencies88 OP t1_j4pw2e7 wrote

Will look into that!

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HikeEveryMountain t1_j4q45it wrote

You probably want a real estate attorney for this one, will involve filing paperwork with the county registry like when you buy or sell a house. For something like this, I expect the attorneys fees will be well below the amount they owe you.

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