Answers: You and your mortgage company will be listed on the check.
Call your mortgage company. Let them know you hold an insurance check and they are on it. They will tell you what to do to seize the check endorsed.
Mortgage companies usually have an insurance department that handle these checks. If you just transport it to the address where you product your payments - they will just apply it to the harmonize of your mortgage.
Everyone who has a home financed get a check with the mortgage company planned on it. Your policy has a loss payable clause that say the insurance company will protect the mortgage company's interest in your home. The best course to protect that interest is to list the mortgage company on the check too.
Usually it's within the name of the name insured and any and all mortgagees, OR contained by the name of the contractor doing the repairs. Usually check will hold your name and the lien holders label on the check. Personally I think that this is one excessive rule. I have see far to many lien holders hold up the repair process. Some will even deny clearing to the homeowner, which is probably illegal but they do not consideration. When the check comes, contact your lien holder and ask them the process for getting the money back to you for repair bills. By the sounds of your examine you are not going to do the repairs or you are looking to profit from an insurance loss. Good luck with that.