I've never filed an home insurance claim, but I'm worried about my cabinets. What if I can't find cabinets to match my existing cabinets? I can't imagine the ins. co. paying for cabinets for my entire kitchen (though it would be nice). Anyone ever been in this predicament, and if so, do you have any useful advice?

Also, I read on another forum that the insurance company will give the MORTGAGE company the money for the insurance repairs, and that the mortgage co. will in turn give the money to us. If this is true, it's stupid!

As to the insurance check. They typically make the check out to both of you. My friend had to send hers to the mortgage company, they endorsed it and sent it back. There was no problem. It just takes a few days depending on how you send it. I would send it overnight with return overnight envelope included. She also called the mortgage company to inform them that it was coming and verified that this was the proper way to handle it.

Hope this helps.