About
Built for the people stuck in the middle.
CoPayee exists because insurance check endorsements are a solved problem nobody bothered to solve.
The problem we couldn't stop thinking about
When a home gets hit by wind, hail, water, or fire, the insurance company writes a check — and almost always lists the mortgage servicer as a co-payee. That single line of text turns a normal claim into a 60- to 90-day paperwork ordeal.
We watched contractors front jobs they couldn't afford to front. We watched public adjusters burn hours on the phone with loss-draft departments. We watched homeowners sit in hotels for months waiting on paperwork to clear.
The frustrating part? The problem is entirely about paperwork. The right forms exist. The right contacts exist. Each servicer has a known process. What was missing was a tool that knew all of it in one place and could generate the right packet, with the right data, in under a minute.
What CoPayee does
CoPayee uses AI to read insurance claim checks, identify every payee, match the mortgage servicer, and generate the exact packet that servicer requires — cover letter, loss draft affidavit, and pre-filled forms. Then it sends e-sign invites to every payee so everyone can endorse without mailing anything.
We built it for contractors and public adjusters first — the people most exposed to the delay — and we built a homeowner-facing DIY version for families trying to get unstuck on their own.
Who we are
CoPayee is an independent software company. We're not a bank, a mortgage servicer, a law firm, or an insurance carrier. We don't touch your money. We help you prepare and deliver the paperwork faster so the people who do control the money can move.
Get in touch
Questions, feedback, partnership ideas, or press: info@copayee.com