Insurance payment for roofing replacement

[Viral Patel]

Hi All,

I need some help from experts in the forum.

The insurance company is not a std/one 25 companies in USA. It is small company.

My insurance company approved roof replacement and send me 30% payment with mortgage's company name on it. I need to mail check to mortgage company and back. All this will take me additional 10-15 days, if nothing gets lost.

Since insurance has approved roof replacement, I was thinking to go ahead and get it replaced and pay roofer 50% now instead of waiting for the check from mortgage company. After I get my 2nd payment, I pay my roofer the remaining amount.

I will not replace the roof if I m not getting checks from insurance company.

My concern is that I get roof replaced and insurance company doesn't complete their payments, then I will be big bill.

Few Qs:

I should wait for 1st check stamped by mortgage company before starting the roof work?

Since insurance company has approved the payment, can they stop my 2nd payment?

My insurance company said that they will not come and verify the roof. Has anyone experience it? How can I make sure roofer deos it properly.?

Thanks