Review and complete the Insurance Claim Package. This package details the requirements for completing your claim. 

CrossCountry Mortgage will cash the check after confirming that the ISAOA/ATIMA verbiage is printed on the insurance claim check. Please work with your insurance carrier to update the mortgagee clause to ensure all future insurance claim checks list CrossCountry Mortgage as the payee.

Mortgagee Clause:

CrossCountry Mortgage, LLC
Its Successors and/or Assign (ISAOA)
As their Interest May Appear (ATIMA)
P.O. Box 10210
Daytona Beach, FL 32120-0210

No, CrossCountry Mortgage must ensure the home is repaired using the insurance claim proceeds. 

If your claim is deemed to be a monitored claim, (i.e., funds are greater than $40,000 or the loan was delinquent at time of loss), the check will be returned for full endorsements by all parties listed on the check.

We will work with your new servicer to provide information related to your insurance claim. 

We will work with your previous servicer to obtain information related to your insurance claim. CrossCountry Mortgage will review your claim file and pick up where your prior servicer left off.

Yes. A written request to pay off the loan using the insurance claim proceeds is required. A verbal request is not accepted. Please submit the payoff request to InsuranceClaim@youarehome.com.

Insurance claim funds are to be used for the repair of the home, not past due balances. 

Insurance claim funds will not be disbursed unless the property is going to be repaired. 

Required documentation should be sent to:

Email: InsuranceClaim@YouAreHome.com

Fax Toll Free: 866-930-1018

Mailing Address:

CrossCountry Mortgage, LLC
P.O. Box 19389
Charlotte, NC 28219-9409

Overnight Address:

CrossCountry Mortgage, LLC
446 Wrenplace Road
Fort Mill, SC 29715

CrossCountry Mortgage currently does not have an app or online portal for loss draft claims. 

Yes, CrossCountry Mortgage accepts e-signatures.

If you have a monitored claim, a complete Insurance Claim Package and sufficient inspection results are required to release additional funds.

CrossCountry Mortgage monitors progress of the repairs and disburses additional funds as repairs are completed.

If your contractor requires additional funds to begin or continue repairs, please have them provide a written explanation and/or draw schedule. CrossCountry Mortgage will review the request and determine if it’s acceptable.  

Yes. CrossCountry Mortgage will reimburse you from claim funds for paid in full receipts from your contractors and/or materials. Releasing all funds requires sufficient inspection results. 

All checks need to be endorsed by the homeowner prior to sending to a lienholder.

Lienholder signatures for all liens subordinate to the first mortgage (e.g., second mortgage, third mortgage, etc.) must be obtained prior to sending the check to the first lienholder (first mortgage). 

• When CrossCountry Mortgage is in the second lien position (second mortgage), CrossCountry Mortgage must endorse the insurance claim check prior to the first lienholder (servicer of the first mortgage).
• When CrossCountry Mortgage is in the first lien position (first mortgage), all subordinate lienholders must endorse the insurance claim check prior to it being sent to CrossCountry Mortgage .
• When CrossCountry Mortgage holds two liens (first and second mortgages), the insurance claim check can be sent to CrossCountry Mortgage with only the homeowner(s)’ endorsement.

CrossCountry Mortgage does not approve self-repair for monitored claims. A full Insurance Claim Package containing the contractor information is required.

Once the repairs are completed, or at each scheduled phase of completion, request a free property inspection by contacting us at 800-224-7984 or InsuranceClaim@YouAreHome.com.

No.

Every situation is different, and numerous factors influence disbursement timeframes. For claim checks less than $40,000, the entire disbursement process may be completed in 5-7 business days. For claim checks greater than $40,000, the initial installment is typically disbursed within 7-14 business days and subsequent installments are released 5-7 business days after the inspection results are received.