To my knowledge, mortgage insurance is standard. I don't know if all states require it but mine does. I used to be the partner of a man whose father died without a will. The coroner contacts the courts. The courts contact the immediate family, or if none, the closest family there is. The court speaks with the family and instructs them how to legally proceed by declaring the value of the estate and instructing creditors how to file their claims with the court for any outstanding debts. The family basically has to work with the court in selling assets, if not enough money is in the bank, to pay such debts and a lot of the time that means selling the entire property. People have estate sale auctions to do this with the least fuss and stress. When all these debts and court fees have been satisfied, and I think there is a window of 90 days after the death announcement in the paper for creditors to make their claims, then whatever property and money remains is released to the family. The oldest offspring is named as the executor of the estate if there is no will declaring otherwise. This is a challenging process for normal people who are also dealing with grief and funeral arrangements. For Chris? He's gonna shit himself and do nothing. I've seen people do just that. Then, the state seizes the property, sells it off themselves, and claims the proceeds thereof. The person who is responsible but fails to act as executor is cited and fined.
TL : DR it aint gonna be purty. Chris is not competent to be the executor of the estate.
Edit: Will Cole be declared the executor instead? He's older. In that case he will proceed appropriately and Chris will have to find other accommodations.
