I like the others on this post have had nothing but questions regarding the nerve of Wells Fargo being able to hold on to money that I should be controlling for my own repairs. I recently had a claim for roof damage in the amount of $18, 100.00 sure enough the adjuster made the check out to myself and Wells Fargo, first question, , why? since when does the Mortgage company have to be involved at all? Next question, I have a $395K mortgage with these yahoos and they trust me with that amount, they trust me to make my payments every month but they don't trust me to take $18K and make the roof repairs on my own??please, something is definitely wrong with this picture. They say they will not endorse it unless I follow their rules and fill out all this crazy ass paperwork allowing them to basically put that money in an escrow account and then as the work gets done, they will make partial payments!!! wrong, I swear if I have to I'll refinance just for this reason alone to get rid of these guys. It is ridiculous that they need to control every step of this process. Don't get me wrong, I know there are people out there that would go out and spend this check on something other than the main purpose but that is exactly why Adjusters give you a ACV( Actual Cash Value) check and then once the work is completed you get the RCV(Replacement Cash Value) . This entire system is messed up to say the least. As I mentioned I am now looking at the possibility of getting rid of this loan. Not that losing one little loan for $395K will impact WFM, but maybe if half of these people who posted on here did the same, then they may just get the picture and finally realize they have a system in place that is broken and needs repair and fast!!!