If your bank's procedures for considering an application complete include proof of hazard insurance and your lender has not made or communicated a credit decision to the borrower, you could have sent an incomplete application notice.
Here - hazard insurance would be a condition at closing, but not for credit approval. Our credit decision would have been based on proof of income and an accurate, complete application for our consumer loans.
It's not that I take life for granted. It's only that the good won't make it. Innocence dies, while Villany Thrives.