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To file a claim if you have BMO Credit Card Balance Insurance, call For more information about BMO Creditor Insurance, visit best.insurancenewsonline.top The interest we hold in the property makes it necessary for us to specify the process by which the Total Loss Proceeds. (TLP) will be administered. Based on. A complete loss mitigation application is required for most relief. If you submit a complete application for loss mitigation assistance, federal law.