If you have a customer in whcih their insurance is due on the 1st of the month do you disburse that payment on that day or do you disburse a few days earlier to insure timely payment?

We just started escrowing this year (go figure) and when we originally disclosed to customers regarding the disbursement of the property taxes we showed a disbursement date of the 15th of December now we have a county that says we must pay by November 21st. By disbursing on the 21st of November instead of December 15th are we obligated to correct anything with the customer? (as a side our escrow accounts do not earn interest)
Any help is appreciated.
Thanks

We disburse all of our insurance premiums for the month on the 1st and haven't had any issues. We have a couple of agents that have asked that we sent in the money before the due date so we pay those manually so even though the policy due date is Sept 1st, the escrow analysis will show it paid in Aug of each year.

As for the taxes, it works the same way, the analysis will show the disbursement date and future disbursements will fall on that date.

The only thing that I can see happening is they may have a shortage the first year because you disbursed earlier than disclosed but it will work itself out by the next analysis.