Why is my mortgage company on the check?
Because the lender has a financial interest in the home. The NAIC says the lender is usually named on the policy as an additional insured, so the check may include both of you, and you will need to work with the lender to release the funds (NAIC).
General information
This page explains how homeowners insurance generally works, using state insurance regulators' guides. Your policy wording controls. Call your insurer or agent about your claim.
How do I get the lender to release it?
Call the lender's loss draft or claims department and ask what they need, often the estimate, the contract and an inspection schedule. If the lender is not working with you, the NAIC points to federal complaint channels at usa.gov (NAIC).
When should I pay the restoration company?
Not all at once up front. The NAIC advises never paying the full amount before the work is complete, and getting more than one estimate (NAIC). Georgia's insurance commissioner says only the insured can choose and authorize the contractor (Georgia OCI).
What if there is a problem with the claim?
Talk to your insurer first, then the Georgia Office of Insurance and Safety Fire Commissioner. The NAIC explains how claim complaints are handled (NAIC).
Common questions
Can the check be made out to the restoration company?
Some insurers will add a contractor if you ask in writing, but the policyholder and lender are usually on the check.
Is the deductible taken out of the check?
Usually, yes. The payment is generally the covered amount minus your deductible.
What if the check is less than the estimate?
Ask the insurer for its estimate line by line and compare. Disputes over the amount may go to appraisal under the policy.
Related guides
Sources
- NAIC: Post-Disaster Claims Guide
- Georgia Office of Insurance and Safety Fire Commissioner: Insurance Before and After a Disaster
- NAIC: Claim complaints
Last reviewed November 13, 2026. This guide is general information, not legal, insurance or medical advice.