Can I take my insurance check and sign it directly over to a title company to close on a house?
Possibly, but before you show up at closing, call the title company to find out if it will accept the insurance check endorsed over in that manner. There may be requirements for specific forms of payment, such as a cashier's check or wire transfer, that the title company would insist upon, and you certainly don't want to find out at the closing that you don't have the right form of payment.
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Possibly, but before you show up at closing, call the title company to find out if it will accept the insurance check 