Insurance claim check endorsement and repair draws
How do we endorse an insurance claim check after property damage, hold the funds, and release repair draws as inspections pass?
Make the claim a case with a draw schedule. Callvu opens the case when a claim check or a loss notice arrives, prefills the loan and the policy, classifies the handling (endorse and release in full for a small claim on a current loan under the investor's threshold, or hold and disburse in draws for a larger one or a delinquent loan), collects what the investor's rules require from the borrower and the contractor through links (the adjuster's report, the contractor's agreement and license, the lien waivers, the photos), schedules the draws with inspections, routes each release decision to the claims analyst in the Decision Desk, and writes every receipt, inspection and disbursement to servicing.
In scopeComplex: multi-party handoffsCallvu moves: chase and verify, decide, write back
Last updated November 7, 2026.
The problem today
The roof was replaced in June; the final draw was released in November because the lien waiver was in a different mailbox.
A storm damages the house. The carrier issues a check payable to the borrower and the servicer. The borrower mails it for endorsement, with a letter. The servicer's loss draft desk opens a file, sends a form package, and waits. Each draw needs an inspection, a contractor invoice, a lien waiver; each arrives by a different route; the contractor stops work when the second draw is late.
The investors set the rules: when the servicer may release the full amount (a claim under a threshold, a current loan, a borrower attestation), when it must hold the funds and inspect (larger claims, delinquent loans), the documents required, the inspection points, and the timelines for releasing funds. The borrower's experience during repair is the servicer's reputation in a disaster.
A claim check is a case with a schedule, and the schedule is the investor's.
How it runs
From the requestto the system of record.
A claim check payable to the borrower and the servicer arrives, or the borrower reports a loss. Callvu opens the case on the loan.
- Borrower
- Endorses the check, provides the adjuster's report and the contractor's documents through a link, and requests draws.
- Contractor
- Provides the agreement, license and insurance, invoices and lien waivers.
- Inspector
- Verifies the work at each draw point.
- Claims analyst
- Decides releases in the Decision Desk.
- Callvu
- Classifies, collects, schedules, routes, disburses and writes.
Prefill and classify the handling
The loan's status, the investor, the claim amount, the policy and the damage type are prefilled; the handling is classified under the investor's rules: endorse and release in full (a claim under the threshold on a current loan, with the borrower's attestation to repair), or hold in a restricted account and disburse in draws (a larger claim, a delinquent loan, a total loss).
Chase and verify
The documents the handling requires are requested through links: the adjuster's report and estimate, the contractor's agreement, license and insurance, the repair budget and schedule, the borrower's attestation; each is read and checked, and the draw schedule with its inspection points is set from the budget.
Decide each draw
A draw request with the invoice, the inspection result and the lien waivers goes to the claims analyst in the Decision Desk with the schedule and only the allowed outcomes: release, release partially, or hold with the reason; the initial draw and the final draw follow the investor's percentages and the final inspection and completion certificate.
Write back
The check receipt and endorsement, the restricted account, each inspection, each disbursement and the completion are written to the servicing system; a total loss or a borrower who will not repair routes to the payoff or loss mitigation processes as the rules provide.
Where it ends: The claim was handled under the investor's rules, the borrower and the contractor were asked through links, each draw was released on an inspection and a decision, and servicing holds the whole record. The Decision Trace shows the classification and each release decision; the Audit Trace shows the receipts, inspections and disbursements.
Runtime enforcement
What is enforcedwhile the work runs.
The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.
The handoff
Between the front doorand the back office.
The front door
The borrower and the contractor meet the process in the document and draw links, in any channel.
The back office
The claims analyst decides draws from inspections and waivers; servicing holds the account.
The Decision Desk
- Each draw goes to the claims analyst in the Decision Desk with the invoice, the inspection and the waivers, and only release, release partially, or hold with the reason; a total loss or a non-repair case routes to payoff or loss mitigation.
Proof
In scope.Proof at scale, not one process at a time.
The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.
Questions
What buyers ask next,answered plainly.
When is the check released in full?
When the investor's rules allow it: a claim under the threshold on a current loan with the borrower's agreement to repair. Otherwise the proceeds are held and disbursed in draws.
What does each draw need?
The contractor's invoice, a passed inspection and the lien waivers, decided by the claims analyst against the schedule.
What if the borrower will not repair?
The case routes to the payoff or loss mitigation process as the investor's rules provide, with the record intact.
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