If your property does have an active mortgage, then in addition to you, any current mortgage holder will be listed on your check. This is an obligation under the insurance contract and in your mortgage. Typically, your lender will provide you with an address to send the check to and they will endorse it and send it back to you. It is very important that you let your lender know if you have a claim. If you have any questions about this process, we suggest you contact your lender.