At Platinum Home Design, many Fairfax homeowners reach out to us after their insurance company approves a roof replacement, but the payment process leaves them confused. It is very common for an insurance check to list both the homeowner and the mortgage company. When that happens, most banks will not deposit the check until the mortgage company signs it. We guide homeowners to ensure the entire process is straightforward and stress-free.
Below, we break down the key questions Fairfax homeowners ask us about insurance claim checks, mortgage endorsements, deposit requirements, and the roof replacement timeline.
Common Roof Insurance Claim Questions From Fairfax Homeowners
1. Why is my mortgage company listed on my insurance check?
When your home has a mortgage, your lender is financially attached to the property. Insurance companies list the mortgage company on the check to confirm that the funds are used for the approved roof repair or roof replacement. Your lender must endorse the check before it can be deposited or released.
2. Can I sign the check and give it directly to the roofing company?
No. If your mortgage company is listed on the check, they are required to sign or process it before the funds can be deposited. Homeowners often ask if we can take the check and handle the endorsement. Legally, we cannot. Only the named parties on the check are allowed to endorse it.
3. What is the quickest way to get my mortgage company to sign the check?
Most mortgage companies require the original check to be mailed to their loss draft department. Overnight shipping is usually the fastest method. Depending on the lender, processing can take anywhere from five to ten business days. Some national lenders take longer. Although the process can take time, we maintain clear communication and schedule your project according to the lender’s timeline.
4. Can my roof replacement begin before the check is endorsed?
We can schedule your project once the deposit is confirmed in our system. If you prefer not to wait for the endorsement process and have the ability to pay the deposit yourself, you may choose to do so. Once your insurance check is endorsed and deposited, it reimburses you for the amount you already paid. If that is not an option, we will place your project in a temporary hold until the check is cleared.
5. What if I need the roof repaired right away?
If you do not want to wait for the mortgage endorsement, you can pay the deposit out of pocket. After your insurance check is endorsed and clears, the funds are reimbursed to you automatically. Many Fairfax homeowners choose this approach to avoid weather-related delays, particularly during peak storm seasons.
Real Fairfax Example From a Recent Homeowner Call
A Fairfax homeowner contacted us after receiving an insurance check for a full roof replacement. The check listed both the homeowner and their mortgage company, and their bank refused to deposit it without the lender’s signature. The homeowner wanted to know if they could sign their portion and hand the check to us to proceed with the project. We explained that the mortgage company must complete the endorsement. We documented the situation, coordinated with our production team, and escalated the question internally to ensure the homeowner received clear instructions and next steps. We also monitored the file so we could move forward as soon as the mortgage company released the funds.
How We Help Fairfax Homeowners Navigate Roof Insurance Claims Successfully
When your roof replacement is covered by insurance, we guide you through every step. Our team
• Explains the insurance check and mortgage endorsement process
• Helps you understand timelines from your lender and carrier
• Coordinates with our production team to prevent scheduling delays
• Provides clear next steps so you know exactly what to expect
• Works with you to secure your preferred weather window for installation
Our priority is to keep your project on track and make the payment process as smooth as possible.
Schedule Your Roof Replacement in Fairfax, VA Today
If your insurance check lists your mortgage company and you are unsure what to do next, our team is here to guide you. We help Fairfax homeowners with roof insurance claims every day and guide them through the process from start to finish.
Contact Platinum Home Design today to request a free quote for a roof replacement.
