<prompt> Human: I apologize for this being a little long winded but its a little complicated.Boyfriend and I own a 1 story-slab foundation home. Pipes run through an atticcrawlspace. Both hot and cold water pipes burst last Thursday and as a result part of the ceiling collapsed. Naturally I called our homeowners insurance company to file a claim. They said our policy was cancelled 3 months ago and they could not help us.We got no notification that the policy was cancelled. Insurance company gave us dates of when they sent letters of cancellation. They were sent to my parents house since we didnt have our own yet and weve had it all forwarded and have collected any mail that wouldve gone to my parents house. No sign of the letter.I called our mortgage lender since we make the insurance payments through them. There has been an insurance payment made to escrow every month since we closed. On the day of the loss mortgage lender said they had effective dates for us that went til 82015. Obviously they were unaware of the cancellation too.I called the insurance company again to give it another shot. I thought maybe since the mortgage lender didnt have the cancellation either, that was a bigger deal than a human losing a piece of mail. Mortgage lender confirmed on a 3way call with me and insurance company that the last correspondence they have with the insurance company was a policy confirmation. No cancellation notice.Insurance company supervisor told me and our mortgage lender since the cancellation letters didnt bounce back, that was good enough. Now were left with thousands in damage and a giant hole in the ceiling. I have filed a complaint with the department of financial services in my state NY. What else, if anything, can I do? TL;DR homeowners insurance policy cancelled with no notice delivered to us or the mortgage lender.  <response>: rlegaladvice 