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Colorado insurance guide · Updated Oct 22, 2026
Insurance check made out to you and your lender?Here's the process.
It's normal, and it's fixable. Here's how to get roof claim money through your mortgage servicer without stalling your job.
- Licensed & InsuredUL 2218 Class 4 Impact-Resistant Roofing · 4.8★ (160+ Google Reviews)
- 4.8★ on Google160 homeowner reviews
- Insurance-claim expertsIn roofing since 2009
- Insurance & hail expertsInspection to final check
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- Licensed, Fort Collins to Colorado SpringsBased in Lone Tree
Before you file
Free help with your claim paperwork. Know your number first.
We'll help you put together what your servicer asks for so the money moves and the roof gets built.
Free help with your claim paperwork
What we check with you
- Adjuster estimate and contract
- Servicer loss-draft forms
- Inspection and invoice timing
- Final invoice and lien waiver
Why both names
Why is my roof check made out to me and my mortgage company?
Mortgagee on the check
When you have a mortgage, the insurer often makes the claim check payable to you and your lender (or servicer), because the lender has a financial interest in the home.
Loss draft department
The servicer's team that handles insurance checks. It may endorse and return the check, or hold the funds and release them in stages as repairs are done and inspected.
Source: OCC HelpWithMyBank
Free help with your claim paperwork.
We read your declarations page with you and inspect the roof. Free, no obligation.
The process
What are the steps?
1. Endorse the check
Sign it yourself, then follow your servicer's instructions for sending it in.
2. Send the paperwork
Usually the adjuster's estimate, your signed roofing contract, and any forms the servicer requires.
3. Get funds released
Some servicers release everything for smaller claims; others release in stages after inspections.
4. Close out
Send the final invoice and any lien waiver the servicer asks for.
If the servicer stalls
Ask for its written requirements and the reason for any delay. You can submit a complaint to the CFPB.
Source: CFPB
Deposits under Colorado law
Colorado's roofing law requires a written contract stating, in bold, that the roofer holds your payments in trust until materials are delivered or most of the work is done. You can also cancel within 72 hours of signing, and within 72 hours of a written claim denial.
Source: C.R.S. 6-22-103 · C.R.S. 6-22-104
The deductible is yours
Colorado law bars roofers from advertising or promising to pay, waive or rebate any part of your deductible (SB 12-038).
Source: C.R.S. 6-22-105
Free help with your claim paperwork.
We read your declarations page with you and inspect the roof. Free, no obligation.
Why is my insurance check made out to my mortgage company too?
Your lender has a financial interest in the home, so insurers often list it on claim checks. You and the servicer both endorse.
How do I get my mortgage company to release the roof money?
Endorse the check and follow your servicer's loss-draft instructions. They usually want the adjuster's estimate and your contract, and some release funds in stages after inspections.
What if my servicer won't release the funds?
Ask for written requirements and reasons. You can submit a complaint to the Consumer Financial Protection Bureau.
Can the roofer pay my deductible?
No. C.R.S. 6-22-105 bars it.
Free help with your claim paperwork.
We read your declarations page with you and inspect the roof. Free, no obligation.
General information; your servicer's requirements control. Homey Roofing and Restoration is a roofing contractor, not a public adjuster. Your policy wording controls your coverage. Updated Oct 22, 2026.