GETTING STARTED
Visit app.iink.com to create your account. You’ll answer a few simple questions about your insurance claim. Be sure to have your scope of loss (also known as an adjuster’s worksheet or settlement letter) available.
If you are receiving funds, you will also connect your bank account using Plaid — a secure, widely trusted platform used by over 12,000 financial institutions that gives you full control over your information.
If your contractor or professional hasn’t already done so, you’ll be prompted to upload images of your insurance check. You can upload files from your computer or mobile device, or take photos directly from your smartphone.
You will receive a digital signature request authorizing IINK to act on your behalf. This allows IINK to:
IINK will compile and submit a claim packet to your mortgage servicer. Within a few business days, the servicer will determine whether your claim is non-monitored or monitored.
For claims under $40,000 where the mortgage company is not monitoring the claim. iink handles endorsements, deposit, and disbursement without mortgage company oversight.
Do NOT sign the check before sending it. Write your loan number on the front of the check.
Some Mortgage companies may not use IINK’s return label and instead use standard USPS (7–10 business days) per their internal policies.
Once the endorsed check is returned you (or your professional) upload an image of the back of the check showing the mortgage endorsement. Funds typically clear within up to 3 business days, then are released via ACH to your connected bank account within 2–3 business days.
Instant transfers may be available for a small fee after funds clear.
Typically over $40,000 or if there is a loan delinquency
Additional documentation may be required, such as:
Most servicers release an initial amount (often up to $40,000), with remaining funds disbursed in stages based on repair progress and inspections.
IINK will guide you through all requirements and help coordinate the process.
Write your loan number or ILD # (internal loss draft number) provided by iink on the front of the check. Ensure all required parties sign the check before submission.
The servicer will deposit the check into a restricted escrow account and release funds incrementally based on inspection milestones.
IINK provides prepaid 2-day shipping labels with tracking for this process as well.
Claim Submitted and Reviewed
Approve and Authorize
Final Review - iink
Mortgage Bank Review
Mail Check to Mortgage Bank
Mail Check to MC
Check Mailed Back
Submit Check for Deposit
iink requires < 1 business day to validate check details and approve for deposit.
iink sends reminders to upload check for deposit into iink as soon as possible!
Check Clearing
Funds Transferred via ACH
~2 Business Days (for Instant Payment for a fee)
Sent to your Provided Bank Account
Non-Monitored and Monitored timelines are estimated and may vary based on lender/carrier policies, volume, and other factors.
Claim Submitted & Reviewed
Approve & Authorize
Final Review - iink
Check Sent to Mortgage Company
Pre-paid 2-Day FedEx Shipping Label
Mortgage Bank Review and Check Deposited into escrow
2-5 Business Days
Escrow & Milestone Control: Funds are held
in a restricted escrow account. Disbursements are released based on completion of work or progress milestones.
Check Mailed Back and Initial Disbursement Released
Servicer Dependent: USPS 7-10 Business Days OR 2-Day Pre-Paid FedEx Label.
Typically up to $40k OR 33-50% progress milestone.
Check Clearing
Funds Transferred via ACH
~2 Business Days (for Instant Payment for a fee)
Sent to your Provided Bank Account
Request Progress Inspection for Next Disbursement:
Request inspection | < 1 Business Day
Third party inspector to reach out to schedule inspection | 3-5 Business Days
Complete inspection | 2-3 Business Days
Mortgage bank reviews results and releases next disbursement | < 5 Business Days
Your next disbursement check repeats the process.
Additional time is required to schedule the
inspection, complete the inspection, and review results before approving the next disbursement.
You (or your professional) will upload them to the IINK platform.
The deposit and disbursement process follows the same steps as a non-monitored claim.
Timelines and requirements vary by mortgage servicer, but IINK is here to guide you every step of the way — making what can be a complex process as simple and seamless as possible.
iink has processed over $3 billion in insurance claims since 2017 across over 1,500 mortgage servicers and assisted tens of thousands of property owners just like you!
Without Mortgage Company: