I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me. 
