(September 14, 2016, 12:35 PM EDT) -- ATLANTA — A mortgage servicer and an insurer on Sept. 9 answered the insureds’ appeal in the 11th Circuit U.S. Court of Appeals, contending that the filed-rate doctrine bars all class action claims alleging that they overcharged force-placed insurance (FPI) premiums as part of a kickback scheme (Pankaj Patel, et al. v. Specialized Loan Servicing LLC, et al., No. 16-12100, 11th Cir.)....