Ross Diversified Insurance Services

Ross Diversified Insurance Services provides property insurance programs for private mortgage lenders, loan servicers, note investors and real estate investors. The agency works with multiple insurance markets and is licensed in all 50 states, allowing it to address individual properties as well as larger portfolios. Its programs are particularly relevant when a lender needs to protect real estate collateral because borrower-provided coverage is unavailable, has lapsed, or no longer fits the property’s status.

Lender-Placed and Collateral Protection Insurance

• Force-Placed / Lender-Placed Insurance: Property insurance for residential and commercial collateral when required borrower coverage is missing, cancelled or has lapsed.
• Uninsured Notes and Mortgages: Nationwide program options for investors or lenders when borrower-provided insurance is no longer in force.
• Non-Performing Loans: Flexible coverage and deductible options for real estate loans where the lender or investor needs to protect the collateral while managing an impaired asset.
• Portfolio Coverage: Insurance structures can be evaluated for lenders or investors managing multiple properties rather than only one asset at a time.

REO, Rental and Rehab Property Insurance

• REO Insurance: Coverage for properties acquired through foreclosure, including liability and flood options where applicable.
• Rental Property Insurance: Programs for residential rentals, including individual-policy and group-blanket structures depending on the property and market.
• Rehab / Flip Projects: A national program with flexible coverage amounts, liability protection and builders risk endorsement options for investment property renovations.
• Changing Property Status: The agency can help evaluate coverage when a property moves from borrower-occupied collateral to foreclosure, REO, renovation or rental status.

Coverage Design and Claims Support

• Review policy structures, deductibles and valuation approaches such as replacement cost versus actual cash value.
• Evaluate liability protection, loss-of-rents coverage, flood exposure and other property-specific insurance needs.
• Assist with policy review so lenders and investors can identify coverage gaps before a loss occurs.
• Provide claims assistance when an insured property experiences a covered loss.

How Private Lenders Use Ross Diversified Insurance Services

Private lenders can use Ross Diversified Insurance Services to address insurance issues throughout the life of a loan. That may include replacing lapsed borrower coverage, protecting collateral during default, insuring REO after foreclosure, or arranging coverage for rental and renovation properties held by an investor. Because the agency works across multiple insurance markets, it can evaluate coverage options based on the property’s current use, condition and ownership status rather than relying on a single standardized policy.

The service is therefore useful both for routine insurance placement and for situations where a loan or property has changed after closing. Ross Diversified Insurance Services also supports clients after placement through policy review and claims assistance, giving lenders and investors a single insurance resource from initial coverage selection through claim administration.