For Homeowners
Is your insurance check stuck in mortgage limbo?
If your check lists your mortgage company as a co-payee, you can't cash it without their endorsement. The CoPayee DIY Claim Kit walks you through the whole process — for $49.
Everything you need to get your mortgage company to endorse your insurance check — in one guided flow.
- AI reads your check and identifies your mortgage servicer
- Custom packet with the exact forms your servicer requires
- AI-generated cover letter and loss draft affidavit
- Step-by-step instructions for submission
- 30 days of AI assistant chat to answer questions
- Email support from our team
One-time payment. No subscription. No account required after purchase.
Wait — why is my check made out to my mortgage company?
When you have a mortgage, your insurance policy typically lists your mortgage company as an additional insured. That means when a claim check is issued, the insurance company puts you and your mortgage servicer on the check as co-payees.
The reason is simple: the bank owns most of your house, and they want to make sure the money actually gets used to repair the property — not spent on something else.
Before you can cash the check, your mortgage company has to endorse it (sign the back) and usually wants to hold the funds in an escrow account, releasing them in stages as repairs are completed. This process is called a loss draft, and every servicer has their own paperwork and rules. CoPayee handles it for you.