What do I do if
Mortgage company won't release funds without an inspection I can't afford.
Mortgage servicers often require progress inspections to release insurance proceeds.
Mortgage company won't release funds without an inspection I can't afford.
Root cause
Why this happens
Mortgage servicers often require progress inspections to release insurance proceeds.
Know the law
Your rights as a Florida policyholder
The mortgage servicer typically pays for reasonable inspections, not you.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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.
What to do
Solution steps
- 01
Step 1
Review mortgage servicer's disbursement policy in writing
- 02
Step 2
Confirm who pays for inspections
- 03
Step 3
Dispute any inspection fees charged unfairly
- 04
Step 4
Escalate to servicer's complaint department if stonewalled
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Free claim review
Still building your claim? We can help right now.
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 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
See also
Other common problems
Carrier refused my reinspection request.
Another situation Florida policyholders face mid-claim.
Carrier reduced settlement because repairs used unlicensed contractor.
Another situation Florida policyholders face mid-claim.
Electrical panel damaged by water; safety concern.
Another situation Florida policyholders face mid-claim.
Material availability delays repair (variant 3).
Another situation Florida policyholders face mid-claim.
Carrier or vendor won't return personal items packed out.
Another situation Florida policyholders face mid-claim.
Client property damaged at home (home business context).
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more