Insurance check

You're going to have to contact your Mortgage company and likely send the check to them after you sign it and they will release funds as you send in invoices/quotes or some shite like that.

That's what I was afraid of... More footwork that I don't need.. I know I sound like a pus but why make it more crappy than it has to be....

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there’s nothing at all to stop a person from blowing it all on hookers and blow

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Yeah I understand that now.. The mortgage doesn't know me from Adam.. Would there be any reason why the insurance company wouldn't send the check to the mortgage in the first place?

I went through Katrina but lost everything so I didn't have to deal with repairs. The check I got I just sent to the mortgage company as a payoff..

Chase did my mortgage. I went to the bank, 10 mins later it was deposited into my account. I asked if there were anything else, they said do what you want with the money. That’s it.

-$34k.

In Gustav, the mortgage company would only send us a check after we had repairs performed and inspected and provided receipts. It was a total pain in the butt. I just used HELOC to pay outright.

Didnt even realize my mortgage company was on the check until after the funds were in my account. Used e deposit. Not sure thay made a difference.

Seems to be a lot of different information so I’d advise to call your mortgage company. If you have a mortgage, more than likely they will keep it and disburse as their policy. Like someone else said, they more than likely just give you a check to do what you want on a property they own. I had a flood years ago and they gave me 1/3 since I was doing the work myself. After the 1/3 was gone I had to submit receipts and invoices for the money spent and they released another 1/3. After that I had To front the rest, after completion they sent out an inspector and they released the remaining balance (reguardless if I spent less). Different companies may be different. I had a friend tell me his was requiring a contractor to do the repairs but I think it was more to do with the structure.

Look on the website for your mortgage company and they may have instructions on how to get the check to them to get endorsed. I was able to overnight my check to my mortgage company and I had it back a few days later.

I just had to do this for my roof check. It took about 2.5 weeks to mail and get it back signed. I think there is a different process if its over $40K. They specifically asked that when I called for instructions.

I sent my first check to Standard Mortgage in NO, I did not send the others. Took too long in the mail and they made me sign it before I sent it in to them, they then mailed it back. complete bs... this was for the hailstorm last year btw.