Well......Kitty and I are on the other end of that spectrum. Lemmie splain. We just had our house re-roofed. I called in a claim on our homeowner's insurance policy. They approved it. They issued a check for the first amount and upon completion, will issue a second check for "depreciated recovery" to cover most of the rest.
While the first check arrived, it was made out to Kitty, me and our mortgage company. Called the mortgage company to find out how to go about getting them to endorse it. Get this. They inform me my mortgage was sold......the day before! So I have a check that they will not endorse.
My new mortgage company has me in the system enough to accept payments, but won't be able to offer any other "service" until about 60 days. So, this puts my roofing contractor in a pinch until then, and all out of my control.
Thankfully, he is very understanding as I have shown him all of the associated documents involved.
Has something perhaps happened like this, or have they simply refused to pay? Our contractor was generous enough to even finance the deductible, plus the overage from the insurance estimate, which we will start making on the 21st. But he will be out his main portion until we get this insurance fiasco cleared up.