I had a house fire in April 2013. I need to know who gets the money first, the bank (mortgagee) or me the homeowner? They are saying that the whole check would come to me and then I have to pay off mortgage company. This is a difficult case as the house fire was caused by my ex husband and the insurance company is only giving me 50 percent of the claim. Which I am okay with. But if they pay my first and take 50 percent and then I have to pay mortgage company I would actually owe $7,000 to something my husband did.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.