The recent case Cohen v. American Security Insurance Company, No. 11-3422, 2013 WL 5890642 (7th Cir. Nov. 4, 2013) explains why your mortgage lender forces you to sign and acknowledge the hazard insurance provision at least three separate times at the closing table.If you bought or refinanced your home on more than one occasion, you may recall being required to repeatedly sign the hazard insurance disclosure in your loan documents.