Why is my mortgage company's name on the insurance checks? - Q and A

Q: What is the limit of an insurance claim check that can be made out to the home policy holder ONLY and not a two party check with the mortgage company also?

A: Hi Kelli, Sorry to tell you that, as long as you have a mortgage on your property the mortgage company’s name will be on every check that applies to your dwelling from your insurance company, regardless of the amount. Personal property (contents) and Additional Living Expenses (ALE) your mortgage company should not be named on your checks. Please feel free to call our office at 855-411-2358 for a free evaluation of your claim or if you have any questions.