TOMS RIVER – A mortgage lender has to disclose before a property is sold through foreclosure whether it has insurance money to repair any damages, otherwise there’s the potential for double-dipping, a Superior Court judge has said. The ruling by Judge Francis Hodgson Jr. in Ocean County attempts to make the foreclosure process – particularly of properties damaged by Hurricane Sandy – a more open and fair one to bidders and the property owner, attorneys for the property owner said.