Property Insurance Claim Payment – When check is finally made, is there any reason to include the mortgagee?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 4, 2012

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Insurance Question from Cherry Run, WV

Asked on 06/04/2012

Property Insurance Claim Payment – When check is finally made, is there any reason to include the mortgagee? Filed a windstorm claim, our claims agent stated, with the estimate, "The payment will include the name of the mortgagee so you will need to contact the mortgage to determine their handling procedure." The damages were two trees falling on our home caused by a wind storm. Nothing is being demolished only replacement. Can you explain what this statement means and why it is being done this way?

Answer given on June 07, 2012

For most homeowner insurance claims, the contract requires the insurance company to include the mortgage company on any payment that covers the home for damages, even if it is small amount.Sometimes you can have the insurance company make the check payable directly to the contractor or to you and the contractor.If you have already paid the contractor, then the insurance company really has no choice but to make the check payable to you and the mortgage company. This can be difficult for you, since you must contact the mortgage company to have them endorse the check. They may require proof of the repairs to the home including receipts and photos. Unfortunately, most mortgage companies do not make this process easy for the homeowner.You can ask the adjuster if they will reissue the check since you have already paid for the repairs, but it is unlikely they will do so. You may also talk to the contractor and if they agree, ask the insurance company to pay the contractor directly and then have the contractor reimburse you.

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