My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home. 
