Like home or auto insurance, mortgage insurance requires payment of a premium, is for protection against loss, and is used in the event of an emergency. If a borrower can't repay an insured mortgage loan as agreed, the lender may foreclose on the property and file a claim with the mortgage insurer for some or most of the total losses.
Sawdust build-up can create heat and friction when you use a hole saw. One solution is to drill a smaller hole inside the area to be cut out that will allow the sawdust to escape. Size the relief hole according to the size of the larger hole. If, for example, you are cutting a 3-in. hole, drill a 1-in. relief hole. Don’t drill the hole too close to the center, which you need for the saw’s pilot bit.