How a Tampa roofer cleared 14 stuck checks in 30 days

The problem

After Hurricane Milton tore through Tampa Bay in late 2025, SunCoast Restoration was juggling dozens of active claims. Fourteen of those claims had insurance checks that required mortgage company endorsement before the funds could be deposited — and every one of them was stuck.

Owner Marco D. described the backlog: "We had over $680,000 sitting in checks we couldn't cash. Wells Fargo wanted one set of forms, Mr. Cooper wanted something different, and nobody could tell us what was missing. We were spending 2–3 hours per check just chasing paperwork."

The CoPayee solution

Marco signed up for CoPayee's Scale plan and uploaded all 14 checks in a single afternoon. CoPayee's Claude-powered OCR read each check, identified the payees and mortgage companies, and auto-generated the correct document packets — cover letters, loss draft affidavits, and company-specific forms — for Wells Fargo, Mr. Cooper, Chase, and Rocket Mortgage.

For checks requiring endorsement signatures from homeowners, SunCoast used CoPayee's e-sign invites to collect digital signatures within 48 hours instead of the usual week-long mail-and-scan cycle.

Results

• 14 checks cleared — all within 30 days of uploading to CoPayee
• $682,000 in funds released — an average of 22 days per check
• ~40 hours saved — versus the previous manual process
• Zero rejected packets — CoPayee's mortgage-company database ensured every submission was complete the first time

Key takeaway

"CoPayee didn't just speed things up — it eliminated the guesswork. We stopped calling mortgage companies to ask what they needed because CoPayee already knew."

— Marco D., Owner, SunCoast Restoration