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Insurance Claim Procedures

Do you know what to do if your insurance company has processed your claim and has issued you a loss claim check? Follow the guidelines below to ensure the prompt processing of your check.

    1. Ensure:
            a. Your loan is due for the current month.
            b. You did not have any delinquencies on your account within the past 24 
    2. Write your loan number on the front of the check.

    3. Determine the check value
            a. Checks in the amount of $10,000.00 or less:
                    i. Mail the following items to the address listed below:
                            1. Unendorsed check
                            2. Insurance adjuster's report (The insurance adjuster's report
                                must be on company letterhead and reflect the business 
                            3. Mortgagors Affidavit (signed and notarized)
                                    ii. If you would like the endorsed check returned to you 
                                        via overnight mail, please provide PNC Mortgage with 
                                        a prepaid overnight envelope when you send in the 

            b. Checks greater than $10,000.00:
                    i. Mail the endorsed check along with the documents listed on the 
                        insurance claim checklist to the address below. 
                            1. All payees must endorse the check.
                    ii. Review the Insurance Claim Checklist
                        and complete applicable forms.
                    iii. Additional Information:
                            1. Funds will be released in draws.
                            2. Periodic inspections will be required to confirm the 
                                percentage of work completed.

Mortgagors who are delinquent or have had a delinquency in the past 24 months must endorse the check and send it to PNC Mortgage at the address below.

  • Regular Mail:

    PNC Mortgage
    Insurance Claims
    PO Box 8819
    Dayton, Ohio 45401-8819

    Overnight Mail:

    PNC Mortgage
    Insurance Claims
    3232 Newmark Drive
    Miamisburg, Ohio 45342

Your check will be mailed to the property address unless you provide PNC with an alternate mailing address at the time you send in your check and loss claim documents.
If you already completed your repairs or have questions regarding this process, please contact PNC Mortgage at 1-800-822-5626 or click here Contact Us.

* Mortgage Loans are offered by PNC Mortgage, a division of PNC Bank, National Association.
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© 2014 The PNC Financial Services Group, Inc. All rights reserved. Bank deposit products and services provided by PNC Bank, National Association, Member FDIC. PNC is a registered service mark of The PNC Financial Services Group, Inc ("PNC"). PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. Terms and conditions of the offer subject to change without notice.

Investments and Insurance: Not FDIC Insured. No Bank or Federal Government Guarantee. May Lose Value.