anniehall216
Junior Member
What is the name of your state (only U.S. law)? Florida
After Hurricane IRMA, we filed a claim with our insurance company and were issues a check for repairs. The insurance company mailed the check (dated October 9, 2017) to our mortgage company with the check made out to Wells Fargo and me. They deposited the check on October 30th, 2017 without getting my endorsement. I have been calling them and they have been telling me they don't have the check. I just got a copy of the cancelled check from our insurance company. They had previously told me that since the check was for under $20k, they would endorse at one of their branches so we could cash and make repairs.
1. Can they deposit without my endorsement?
2. What recourse do I have to get the money?
3. We have further damage to our ceilings due to roof damage and leaks that cannot be fixed without the funds, who pays for those? We covered the damaged area with 2 tarps but we get hard winds off the water here and they keep blowing off, tearing under the blocks.
After Hurricane IRMA, we filed a claim with our insurance company and were issues a check for repairs. The insurance company mailed the check (dated October 9, 2017) to our mortgage company with the check made out to Wells Fargo and me. They deposited the check on October 30th, 2017 without getting my endorsement. I have been calling them and they have been telling me they don't have the check. I just got a copy of the cancelled check from our insurance company. They had previously told me that since the check was for under $20k, they would endorse at one of their branches so we could cash and make repairs.
1. Can they deposit without my endorsement?
2. What recourse do I have to get the money?
3. We have further damage to our ceilings due to roof damage and leaks that cannot be fixed without the funds, who pays for those? We covered the damaged area with 2 tarps but we get hard winds off the water here and they keep blowing off, tearing under the blocks.