insurance check after a fire

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PostPosted: Wed Mar 04, 2009 5:32 pm   Post subject: insurance check after a fire  

We recently suffered a house fire and have just been notified that the insurance check for the dwelling portion of the claim has been mailed to us. It is written to myself and also the mortgage company. What do I have to do with this check now?


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PostPosted: Wed Mar 04, 2009 7:42 pm   Post subject:   

Contact your mortgage company and discuss with them what their process is...it will depend if it was a total burn, or repairable...call them and they will let you know.



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PostPosted: Thu Mar 05, 2009 1:37 am   Post subject:   

If it is repairable don't they usually have the repairs done? I would imagine they would work with the poster and get the house repaired since they have an invested interest in the house.

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PostPosted: Thu Mar 05, 2009 4:41 am   Post subject:   

Yes call them. The mortgage company will need to sign the check. If you mortgage company is not local you will most likely have to overnight it them. The rest really depends on them and the size of the loss. Normally the mortgage company will hold a portion of the check until repairs are completed and will sometimes conduct their own inspection to make sure repairs are being made and made correctly. If it is a small loss they will also sometimes send the full amount.

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PostPosted: Thu Mar 05, 2009 6:10 am   Post subject:   

Since the claim check contains the name of the mortgage company, you can’t cash-in the check alone. Hence, its evident you have to involve the bank in this issue. At times the financier may release only a portion of the claim amount before the repair work begins and the rest after the work is done. Contact them and know their method.


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PostPosted: Fri Mar 06, 2009 11:53 am   Post subject:   

Wouldn't the insuracne company issuing the check require the bank or martgage company to be notified in the beginning at the time of the fire? Just a question. I have heard of them doing as Charlies gal listed but when the job is doem all the funds would then be released to pay off the repirs.

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PostPosted: Fri Mar 06, 2009 2:51 pm   Post subject:   

Quote:
Wouldn't the insuracne company issuing the check require the bank or martgage company to be notified in the beginning at the time of the fire?
no i've never done that in my entire career.


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PostPosted: Sat Mar 07, 2009 1:12 am   Post subject:   

So then it is up to the owner to inform the bank if anything like this happens? I guess they would find out one way or the other once a check was issued in their name and thier mortgage holders.

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PostPosted: Sat Mar 07, 2009 10:01 pm   Post subject:   

I don't know now a days, but I did run into some companies in the past that would suspend your mortgage payment for a few months. Not real sure if they are going to do that now.

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PostPosted: Sat Mar 07, 2009 10:12 pm   Post subject:   

Quote:
I guess they would find out one way or the other once a check was issued in their name and thier mortgage holders.
there you go...



Das...never heard of it, but would be a great gesture, course the mort. company will make more interest that way and just tack a couple of months on at the end....kind of like when they send a letter wanting to know if you want to 'skip' your december payment for 25 bucks... Wink different story with a home though, imo would be a terrific show of good faith on the mortgage companys part.


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PostPosted: Sun Mar 22, 2009 4:17 am   Post subject:   

first of all, call the mortgage company and see what they say about the insurance check. then you could discuss with them how to carry out the procedures from there, depending on the severity of property loss due to the fire. i guess thats the only thing you can do for now.

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PostPosted: Tue Aug 23, 2011 5:00 am   Post subject: zttjfcrVxpwEOjpELx  

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PostPosted: Sun Jun 16, 2019 11:39 am   Post subject:   

you find out he cheated BEFORE you were married



My cousin recently confided in me that her and her husband happen to be dealing a hard time. apparently with their he found out she cheated on him before they were married. It was before the pair were even engaged. for the, They were still more at the time (Together for over 4 years at this stage). She swore it never happened after engagement. and they've since been married for over 6 years and have remained faithful. But he's throwing a heck of a time getting passed it. But unclear (And hopeful to not ever find out) What I'd do if I found out industry pre marriage. I is usually very sad BUT it wont break my marriage, I would work on it. If the cheating happened after we formally committed to being with one another (involvement and marriage), Then I mightn't be lenient.



within BILs defense, It wasnt one time. She robbed 2 3 times. It must be a hard pill to ingest, But sooner or later he must decide if his marriage is worth a second attempt.



Here's finish of it,what. It was over 6 years to be with her. Ancient a story.



For it, The news is great new. The wound is still fresh. Time has to pass for BOTH people for it to be okay. in addition there are the issue of her lying to him for so long. it is not cool, And is a serious problem. He can't organization her, Not which now have infidelity, But because she LIED over it for so long.



They ought to be in counseling. Affairs are not make or break for me. additionally you can easily hypocritical. As long as the offending party is in order to move past this, Work on romantic relationship, And remake that trust, Then it absolutely could help you. My spousal relationship is living proof.



She may not need counseling to get past the conditions caused her infidelity, Because she's had time to work through them on her own, But he absolutely DOES need counseling to do this, And she needs to be by his side to prove she's purchased working past it, And to function with the issues that led her to lie about it for so long.



My BF and I have dealt with all the things except a death of a loved one together. anyway, A couple common, We were going thru an incredibly rocky time. sincerely rocky. I kept seeking to break it off and some how would stay together. anyway, I ended up breaking up with him, And I slept with a co-worker. We got together again within a week, And he still saw it as I totaly ripped off. well, We started to talk. And I had left him when my son was just 1, he can 6 now. I told him when we started sleeping together with each other again, That I wouldn't do it if he had slept with anybody else. i didn't want that. regardless, He said he didn't. apparently, He carried out. I was actually upset to know he had lied for so long. I told him once I saw him and we decided to your girlfriend that I had been with this guy. after, He tells me that when we first met up. When he explained, We are only together. Nobody if you don't. I found out that he lied again and that he had another woman that was supposed to be coming over when I showed up one night. a valuable thing she didn't show up, Because I wouldn't be with him now. My intention. We eventually got more it. all it requires time. My BF still manages the hurt from it. And to tell you the facts, so do I. Knowing he can lie to me for such a long time. still, It's something that BOTH of us can get over. And we both still love additional. Just more cautious then some friends might be. It's hard to house. then again, It can be done if your determined to make money. KWIM?



goodness me, And for people who might judge my relationship. Keep it to your own circumstances please. I didn't tell you this for the thinking. I was saying it to enunciate, I have investigated this. regards. very easily hypocritical. As long as the offending party is for you to move past this, Work on romantic relationship, And recreate that trust, Then it absolutely perform.



Absolutely. the truth is, I concur with that whole post. what usually I was thinking. The fact that she didn't tell him for so long is among the worst part for him.



I definitely would not leave him. I would insist on counseling. And he would have to work hard to rebuild my trust. But in fact, They wasn't married. They cant be found even engaged. certainly was absolutely wrong, But nothing that I'd throw my relationship away for.



I was not the same person I was 7 yrs ago when we first started dating. And I did somethings that i'm not proud of. But I've geared up now. And I don't think I should be punished forever for mistakes a long time ago.



I also think that the worst part is that this has been a secret about their romantic relationship that she has carried for all of these years and he has had no clue. I would be devastated. Cheating happens more than we wish to admit, And I think if their are kids involved you are going to give it every effort you have. But I would have a very hard time thinking that the past years were not built around what I thought they were. If I felt I had lived that long getting total faith in DH (Dear groom) And found out I couldn't help but think that our kinship was built on a foundation dating a latina of a huge lie. That sort of trust is very hard to rebuild especially after so numerous being lied to. I know it is often thought that studying keep the secret from your partner if it meant nothing to you and them finding out would hurt them. I even think there is a debate on here about that very topic. I feel the contrary. I would have an easier time dealing with it if it was presented to me up front at the time. Now he has years of betrayal to manage, favorite affair didn't last that long. He definitely needs counseling and she has to be by his side.



also DH (Dear man) And I were together for 7 many had two kids together before we got married. Once our relationship was serious no matter whether we had said forever at that point or not. If it is implied that you're most likely an exclusive couple, And it may appear to be they were, Then its not necessary a vow inorder to expect your partner to be faithful.



I do not think it matters whether it happens before or after you're married, Because I've always felt that marriage is about solidifying the commitment you have now which obviously isn't much if one of you is cheating.



I found out soon there after our first anniversary that my husband had joined an online dating/hookup site looking for things like "Discreet affairs" along with "laid back sex" Not too long before we got married. Nothing had at any time come of it, But I still felt unbelievably betrayed. Made me feel as if I had married him under a false pretense.



We've worked coming from it, But romantic relationship. don't trust him completely. I think if he had certainly cheated, I still would have stayed with him and worked things out as long as I knew that it was firmly in the past and was reasonably assured that automobile happen again. But it would have taken a lot longer to work things out, And he for sure wouldn't get any second chances!



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