Thank you very much for your advice. Is policy issuance mandatory for some underwriters? I have heard horror stories about claims filed against policy when the homeowner didn't even receice copy yet. Since the Policy mentioned arbitration and the buyer didn't see it, the courts ruled in favor of the insuree in that case. Wouldn't it behoove the Policy Issuer to make sure the Policy has been received? What I am asking I guess is, is there legislation or statute that says the home owner must receive a copy of the Policy? Thank you for your reply.

George