should i call my lender because home is vacant and insurance co. will no longer insure home.

You should consult with a bankruptcy attorney first. It may or may not be in your best interest to contact your lender to try and negotiate a refinance and/or a deed in lieu of foreclosure, but you should first present all of the relevant facts to a bankruptcy attorney and get professional advice. Make sure to have a list of all of your current assets, sources of income, and all current debts ready.