What do I do if
Settlement payment went to wrong party (contractor, mortgage).
Multiple payees and AOBs complicate payment flow.
Settlement payment went to wrong party (contractor, mortgage).
Root cause
Why this happens
Multiple payees and AOBs complicate payment flow.
Know the law
Your rights as a Florida policyholder
Funds should reach proper recipient per policy and agreements.
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Get a free claim review from a licensed Florida public adjuster.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Trace payment flow
- 02
Step 2
Contact recipient for funds release or return
- 03
Step 3
Escalate to carrier for correction
- 04
Step 4
Consider legal remedies if payment was misdirected
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Mortgage won't release funds without licensed contractor certificate.
Servicers sometimes require documentation beyond policy requirements.
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
Related resources
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Common problems.
See also
Other common problems
Business interruption from home office damage.
Another situation Florida policyholders face mid-claim.
Multiple contractor coordination complications (standard).
Another situation Florida policyholders face mid-claim.
Contractor bond payout dispute (variant 2).
Another situation Florida policyholders face mid-claim.
Generator fuel during extended outage not reimbursed.
Another situation Florida policyholders face mid-claim.
My ALE is capped too low to cover extended-stay housing.
Another situation Florida policyholders face mid-claim.
Claim payment coming in pieces too slowly.
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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