What do I do if
The mortgage company is holding my insurance check.
Mortgage companies are typically co-payees on property insurance checks. They hold funds and disburse them as repairs progress to protect their collateral.
The mortgage company is holding my insurance check.
Root cause
Why this happens
Mortgage companies are typically co-payees on property insurance checks. They hold funds and disburse them as repairs progress to protect their collateral.
Know the law
Your rights as a Florida policyholder
You are entitled to reasonable disbursement. The mortgage company cannot indefinitely hold funds. Federal regulations and the deed of trust govern disbursement schedules.
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What kind of damage?
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What to do
Solution steps
- 01
Step 1
Request the mortgage company's disbursement policy in writing
- 02
Step 2
Submit required documentation (contractor estimates, progress inspections)
- 03
Step 3
Escalate to the mortgage servicer's complaint department
- 04
Step 4
File a CFPB complaint if unreasonable delays persist
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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