Are you responsible for insurance for a home that was foreclosed on?

Question

title company says house has damage from after we were foreclosed on

Answer 1

If you do not carry insurance until the title or deed passes to a different owner, it's your loss.  If such damage occurred prior to change of title, it IS possible that the lender involved issued 'force placed insurance' if they were aware that you had not continued your policy.  Most of the larger lenders use force placed insurance to protect their collateral.  Check into it.

Answer 2

Yes

Answer 3

You are responsible until title passes.