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Insurance paid for water damage Check payable to us and PHH. How does PHH endorse check so we can begin repairs?
Wiki User
∙ 7y ago
I assume PHH is your Mortgage company. They will not endorse the check until the work is done. If they endorse it you could spend the money and never have the repairs done. The way to fix this issue is to have the insurance company make out the check to you and the contractor of your choice and you. This guarantees the work is done and protects the mortgagee. There are several laws demanding protection for banks and mortgagees in these cases so the insurance carrier has to be sure the work is done. Another alternative is to pay for it yourself, provide proof of the repairs and proof you paid, then PHH will endorse the check to you afterward.
Wiki User
∙ 7y ago
Wiki User
∙ 8y agoMost people just mail it to the mortgage company so they can endorse it. So long as your not behind on your mortgage payments or otherwise in breach of contract there is no reason for them to deny it.
Alternatively I suppose you might drive to the insurance company offices and ask them to endorse it.
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