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Guest

I am currently three months behind on my mortgage (With GMAC) -- waiting to hear from them about a modification... due to a death in the family and lapse in employment that happened at about the same time : ( ... There were storms here a few weeks ago that caused roof damage to my home and my insurance company will cover in approx. 9500 dollars for the repairs necessary and sent me a check.. I need to have it endorsed by my mortgage company now though and I'm "afraid" b/c of all the horror stories I've read about here online .. Does anyone know what happens when this happens? Will I be able to get my roof repaired? I'm just so afraid b/c obviously I don't have enough to cover my mortgage right now let alone that and repair my roof... Thanks for any help you can give me!

savior70 · Posted: Mon Nov 16, 2009 6:13 am Post subject:

Hi,

You should be able to repair the roof of your house. You purchased the insurance policy to cover the losses due to damages by storms etc. The insurance company has issued the check to finance the repair of the roof of your house. Your lender cannot take that money and apply it towards the mortgage payments.

Guest

I have found out that if you are behind in your mortgage payments you will need to be caught up before the mortgage co will sign the check over to you.

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repairs but behind on mortgage