We recently had to deal with an "act of God" according to our insurance company. WE had a hail storm. The adjuster came out and ignored what we told him of prior damage. The check came with our name and the mortgage companies names on it and we sent it off to be endorsed. They wrote back that we had to send a copy of the adjusters report, a home owners report, a signed contract with a contractor for all the work, and a signed statement that the work is done (by the contractor) and arrange for periodic inspections. I never intend to have all the work done the adjuster said was necessary (and several contractors since have said isn't) so I had a problem with what do they do with the rest of the money? We're talking several thousand dollars here. I called the insurance company and asked them to reconsider the damage with me telling them what should be done and thus saving them money. They refused and said we could repair the part we wanted and keep the rest. She told me that while she knew I wouldn't do it we could just lie to the mortgage company and they would release the money. I called our mortgage agent who said the mortgage company should release all of the funds or apply the balance to the mortgage. I'd prefer the former but at least I knew where the money would be going. Then he told me they might just require that all the work be done. He then told me to find a contractor who would lie for me. I called the mortgage company and explained about prior damage and that I didn't want shutters and..... The girl listened then looked up my account and said oh we endorsed the check and sent it back this morning you can do whatever you want with the money. We had been praying that the Lord would release those funds so that we could have the actual damage repaired and use the rest of the money to help us afford an overseas adoption if the local thing doesn't work out. I believe God Blessed us because we were honest.