This is to help. Property loss checks are made out to the customer and the mortgage company for various reason.
Please be aware you will need to send in documents. FEMA also requires documents. Being rude doesn't help. Insurance companies should advise the customers to speak with their mortgage companies regarding their procedures.
911 was a terrible tragedy. Everyone is screened when going through an airport. Every mortgage company has a claims processing department or a loss draft department. After events like Hurricane Katrina the procedures change on a regular basis.
Everyone is required to file income taxes every year.
Each disaster brings death, destruction, heroes, criminals, etc. To get your life back as quickly as possible, information is king.