What do I do if
Mortgage won't release funds without licensed contractor certificate.
Servicers sometimes require documentation beyond policy requirements.
Mortgage won't release funds without licensed contractor certificate.
Root cause
Why this happens
Servicers sometimes require documentation beyond policy requirements.
Know the law
Your rights as a Florida policyholder
Reasonable documentation is required; unreasonable demands can be escalated.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
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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.
What to do
Solution steps
- 01
Step 1
Provide contractor license verification
- 02
Step 2
Request specific documentation needed
- 03
Step 3
Escalate if unreasonable delays
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Settlement payment went to wrong party (contractor, mortgage).
Multiple payees and AOBs complicate payment flow.
Ongoing claim during home refinance.
Open claims can complicate refinancing.
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 representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
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See also
Other common problems
I don't have a pre-loss inventory of my contents.
Another situation Florida policyholders face mid-claim.
I need to move for work during my claim.
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Catastrophic claim handling delays (variant 3).
Another situation Florida policyholders face mid-claim.
Carrier wants an unrealistic repair timeline.
Another situation Florida policyholders face mid-claim.
Business inventory stored at home damaged.
Another situation Florida policyholders face mid-claim.
Carrier denied cosmetic damage.
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.
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