HO insurance spike triggered an escrow delinquency + shortfall and seems unrecoverable. Now What? First time homeowner and I live alone. Its year 4 of my mortgage and there was a minor increase i my HO insurance (+1000). I should have noticed a problem then but didnt. Basically, the insurance company billed escrow in July but my escrow evaluation is 8 months later. I only ever got a confirmation that “Payment was submitted for yadda yadda” …