Of course, check the assurances of my colleagues made me and my mortgage (a pity that I did not know before I posted at the bar this morning …) for the coating and the thin roof. I have about 40 minutes now waiting with a representative at the mortgage bank (PNC) waiting to speak. I hang up and call again tomorrow, when I listen to bad music have more time.

What is the normal procedure for dealing with this? The check was for $ 6,800. I can think a little about some of the repair, and make a part of me. I have already made arrangements for the replacement of Windows ($ 900 vs. $ 450 for co-ins gave me). There are a PNC Bank just down the road. All ideas, whether there anything?

If you deposited the check box without your mortgage company, it is favorable (ie, Signing Off), then the control is lacking are returned, ie it will not be rewarded for support.

If you have already completed the repairs to the house and the repairs were carried out by a licensed contractor, you can the insurance company the check to you and the contractor re-issue. After receiving the new check – if you are completely satisfied with the contractors finished work – you can and submit them to the contractor that payment. The only downside to doing this kind (if the insurer permits) must be sure that the work of your complete satisfaction was completed because you do not have recourse against the contractor to sign the check with the exception of the Small Claims Court if the repairs are less than what the insurance company that you were – can you can keep the difference.

The other alternative is to call your mortgage company and talk to someone in his department of insurance, that the procedure is to obtain their agreement to explain about the test. Normally, the Bank intends to document all repairs were made to see such as receipts, photos, etc.

Basically, the mortgage company does not want to keep control and not the repair, since it the value of the house, which will affect the assets to guarantee the loan. And your insurance is required by law and by contract to the interest of the mortgagee Caution – this information in your insurance policy. Whether you like it or not – the only one around this problem is to pay for the house.

Unfortunately, the PNC Bank in the street not be avoided, if you make prior arrangement with the Department of Insurance of the PNC. You can be paid by you will be sent again to you is taken from your bank – if you do not notify your insurance adjuster to stop payment because it only adds to the delays.

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