best bet is to ask your lender. Whether they and the insurance company are willing to do this depends on you being able to show that you are capable of making your mortgage payment successfully if given a little help with the arrrearages. If it looks like helping you out will just delay an inevitable foreclosure they would rather do it sooner than later in order to keep the costs down. But if you can make the payments, your best bet for getting some help is if you can show:

That whatever kept you from getting behinds has been fixed (for example, getting a job if you were unemployed, resolving an illness, dumping an expensive spouse, or setting up a payment plan (or even filing bankruptcy in some cases).

It’s even better if you can show that whatever caused you to be late was due to circumstances beyond your control (such as your employer going out of business) or that you have taken steps to fix a mistake you made (selling a car or boat with a too-high payment, for example, or getting medical insurance so an illness won’t break your bank next time).

Prove that that you are committed to making your house payment (some have gotten into trouble by paying their credit cards while stiffing their lenders, which naturally doesn’t sit too well with a mortgage company). Make sure they know your mortgage comes first.

The best advice I can give you is to get your information together, make sure that you are capable of making your payments with a little help from your bank, and ASK. Nicely. Good luck!