I received a check from my insurance company for an estimate made by an adjuster, although no repairs need to be made. The mortgage company wants me to endorse the check to them to make repairs. Do I have to endorse the check to the mortgage company?
Part of your obligation under the mortgage or deed of trust is that you make all necessary repairs and maintain the property. If the mortgage company inspects your property and determines that the repair is needed, you'll be obliged to take care of it.
There is also the fact that the check is undoubtedly payable jointly to you and the mortgage company. You cannot legally deposit or cash the check without the mortgage company's release or endorsement, just as they cannot do so without your endorsement.
That means you need to resolve this matter with the mortgage company.
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Part of your obligation under the mortgage or deed of trust is that you make all necessary repairs and maintain the property. If the mortgage company inspects your property and determines that the repair is needed, you'll be obliged to take care of it. 