1. Is there an additional credit on page 1 of the HUD to offset the "one expense item" that was changed from the seller's side to the buyer's side?
If not, and you have had no luck getting answers by talking to them on the phone or emailing, then I would march into the escrow companies office and demand an explanation or you won't leave. They can't simply ignore you, particularly if you are noisy enough to where their other customers start to get concerned.
2. I am not aware of such law. That has occurred in purchase situations where I've been the loan officer, and to me it's the buyer's real estate agent's responsibility to make sure all utilities will be on at the time of the appraisal. If the real estate agent was told by the seller that they would be on, and then they weren't on when the appraisal inspection happened, then at that point, to be fair, the seller should pay for the additional appraisal re-inspection... but if the seller doesn't agree to that in writing, then the appraisal re-inspection fee still needs to be paid, and unless the buyer wants to be the one holding up the transaction then they (or their real estate agent) should pay it.
Shane Milne | Lending in all 50 states | NMLS #81195