[KWN]

owners did their own repairs? Our home was flooded out in September. It completely flooded the basement and a few inches on the first floor of our ranch home. We had contractors replace the furnace and hot water heater and the electrical system. However, all the other repairs were made by our friends and families. We have all worked tirelessly for two months. The insurance company *finally* sent our check. The Mortagage company has the check and is telling us we need contractor estimates? We have completed all the work. The insurance company based the check and estimates knowing we were going to make the repairs ourselves. What should we do?