Ex Wife was awarded the marital home as a part of the divorce in Feb 2018 - she was not on the title or deed of the house, but was on the homeowner's policy. Mortgage remained with the husband until July 2018 when ex wife refinanced. In March 2018, ex wife filed a homeowner's claim for roof damage and received a check with an "AND" - meaning, both should have been required to sign. She signed alone and cashed. Now ex husband's current homeowners policy is being impacted due to a prior claim that he just found out about. Is there anything illegal about what she did? The house was in his name and she was paying rent - how was she able to cash a $5K claim check on her own?