So these second mortgages which were “cancelled” or whatever left liens on people’s homes? And they didn’t fight to get the liens removed?
Take a trip to the country treasurer's office and spend an afternoon reading through property records from 1850.
That said, insurance isn't always the easiest to get a disbursement from, especially if you don't have the money for a good lawyer, or if ownership of your most valuable assest is the thing in question.