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When we had the tornado, USAA sent the money to my mortgage company almost instantly. It took me 18 months and lawyers to fix my house, because I couldn’t hire an LGC, because there are no such thing here.
After an absolute disaster with the person they made me hire, and when I could prove he didn’t have the insurance and bonds he claimed, I honest to god, paid 700$ to open a Texas llc, called myself a general contractor and started bringing my own known individual contractors, roofers, drywall, painters, etc. and billed it all as my company. it was the only way to shake the money loose from Nationstar. They suck so much. (On the upside, I was able to get some neighbors situations ironed out too, and didnt charge anyone for my labor, we’d all been through so much.)