I unknowingly didn’t pay my house insurance for last year (Sept 2008-Sept 2009) and now the mortgage company sent me a letter stating that they assigned $1,900 for insurance of their choice, and which is double the market rate. How can they forcefully make me pay for the past? Nothing happened to the house during that time, thank goodness. Can i dispute this? They said they will put this on my escrow, so it’s not like i can just refuse to pay the bill. I now have insurance for this current year.