home owners insurance check to me and mortgage company.

I received insurance check from home owners made to me and mortgage company. Check is for loss of appliances, food loss, water damage from roof leak but no roof damage. What is the procedure for cashing this check when I did repairs myself, just waiting to replace appliances.”

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totaled home who gets it?

the insurance company totaled my home, the check is enough to pay it off, was told i could pay off home or use money to repair it my question is, if i pay off the home and fix it myself, do i get to keep my home or does insurance company get to salvage it?”

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