Thank you Norm for providing factual data. I'm amazed that some of the posters we get on this board would think that their opinions (not supported by any facts) would pursuade anyone to their point of view. I certainly do not agree with all of management's decisions however as a former employee engaged in lending I can affirm that no loan was/is closed without verification of adequate coverage with BB&T named as mortgagee. And listen, even if the borrower later allows that coverage to expire, the bank has a blanket policy that would protect them in the event of a loss. The risk of insurance losses is well mitigated!