Maria Insurance Check

I'm curious about this one!  We have done several repairs with insurance/bank funds and there hasn't been a single one that paid the full amount of the cost of the repairs as of yet.  And in all of our cases the banks paid us directly or we were paid by a check made out to both us and the client.  

@stjohnjulie

We had an excellent public adjuster and the insurance company adjusters (there were several that came and went) were inept. We weren't even going to file a claim in the first place because our damage was so minimal, hardly enough to cover the deductible.  I've already completed the vast majority of the work myself. I just want to maximize my windfall and pocket as much of the proceeds as possible. 

I would do a sit down with a bank representative and ask them the steps you need to take to substantiate repairs were made according to current VI building code.  Any claim funds remaining are legally yours.

We don't have a mortgage but we've pulled all the necessary permits for our repairs and improvements -  I want my insurer to know the work was done to code, too, in case there is another loss at some point.

You give Scotia Bank the check and every single receipt for your repairs and they release the money to you once their inspector/ representative has viewed your property and signed off on all repairs. Keep copies of everything.