Submit Change to Mortgagee Clause

This Equinox Procedure is for All Users. Find a complete list here.

This procedure explains how agents can request changes to the mortgagee clause on an NFIP policy. A change in mortgagee will create a new Declarations Page. Incorrect mortgagee information is a common cause of claim payment delay.

Procedural Steps

1. Check Out the Policy

Access the Policy Record

To start the process, select "Check Out for Edit" in the upper right corner
The button should show "Check In" while making the changes

2. Navigate to Mortgagees

To quickly navigate to the Mortgagees section, go to the Policy Actions block.

Choose Policy Changes
From the next menu, choose the Mortgagees option

Otherwise, scroll down to the Mortgagees section manually.

3. Make Changes

Enter the requested changes using the options below.

Add New Mortgagee

To add a mortgagee, follow these steps:

Click the "Add Mortgagee" button
Enter the mortgagee information
- All starred content (seen below) must be entered for the "Add" button to activate
- Mortgagee Type will sort the mortgagee clause into the proper position
Once all details are entered, click the "Add" button (move to Step 4 below)

Update Mortgagee Details

To update a mortgagee, follow these steps:

Click the Pencil icon
Adjust the appropriate mortgagee information
- All starred content (seen below) must be entered for the "Save" button to activate
- Mortgagee Type will sort the mortgagee clause into the proper position, such as when moving a first mortgagee into the second mortgagee position
Once all details are entered, click the "Save" button (move to Step 4 below)

Remove Mortgagee

To update a mortgagee, follow these steps:

Click the Trash Can icon
If needed, the deletion can be reverted (see below)

Once all details are entered, click the "Save" button (move to Step 4 below)

4. Review and Submit

Review the changes for accuracy and completeness before finalizing.

Scroll to the top of the page to enter the effective date.

Backdating is not allowed.
Enter today's date or a later effective date.

Once the effective date is entered, click the Issue button.

The system will process the change immediately. A Declarations page with the updated information will be available in the Documents section of the Policy Record.

If the lender or insured needs an immediate copy, then one can be downloaded and emailed.

This page may need to be edited based on suggestions or concerns. Read more in the Discussion page.

This page contains details about NFIP Policy Changes.
Find more NFIP information in the How To Endorse section of the Flood Insurance Manual.