While the insurance claim agent will work with the homeowner, any insurance payments will likely be payable to the homeowner and the mortgage holder. The homeowner is responsible for obtaining endorsement from the mortgage holder prior to making the check payable to Tropicana Roofing. The first insurance payment and deductible are due before the work begins. Following completion of your roof replacement and proof of work is supplied to your insurance provider, a final check will be processed and after being endorsed by the homeowner, turned over to Tropicana Roofing.