The insurance company is required to make it out to you, and your mortgage company, if you have a mortgage on your house. Normally what happens, is that you sign the check, and turn it over to your mortgage company. Depending on the scope of the damage, they either wait until all the damage is repaired, and then cut the check to the contractor (or you, with a paid receipt), or release funds as the work is completed (30/30/40). Also typically, you didn't get the full cost of repair with that check. The insurance company will subtract out the deductible, AND "depreciation"a for the roof and siding, for age and wear and tear. You then get a certain period of time (varies by state) to fix the damage, usually anywhere from 6 months to 2 years. If you do not fix the damage within that time, you NEVER get the depreciation back. If you do, they cut you the additional check for the depreciation. If PNC is your mortgage company, yes, they can take that check for you. But likely they cannot issue payments on the work, from that office.