Hi paininnc,
Welcome to the forum and thank you for joining..............
I am sorry...............
there may not have been a response because there may not be anyone going through this same thing ............the forum is mostly set up for advice dealing with loan modifications, short sales, and deed in lieu of foreclosure. From the post it didn't sound as though that is the direction you were wanting to take. For this matter you would really need to consult with a real estate attorney that understands this type of scenario and is able to help file a lawsuit if that is the direction that you wish to take.
If you click on the link and search by area of expertise, you can put in forced placed insurance and then North Carolina to see the attorneys that may be able to help advise you on what you would need to do in this case.
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