How long can a mortgage company hold a check that is made out to you and them from your own insurance company? We got our check for a new roof in May and sent it to Ameriquest. They sent it back for us to sign. We signed and sent it back. They sent more papers for us to complete which we did. We have already had the roof put on the house and they still haven`t sent anyone out to check the repairs and we haven`t got one penny from them toward the repairs. This is 2 times we have had this problem. We have to do the repairs before they send anything. Our roof was completely finished last Friday. We didn`t get any money to even start the repairs with.