Check is submitted for signatures
How It Works — Homeowner Flow
A Guided Process to Simplify Getting Your Claim Funds
From check upload to money in your account, iink walks you through every step — and coordinates the mortgage company so you don't have to.
- Bank-grade secure with Plaid
- Most claims funded in 13-26 days
- Guided support the whole way
After Review
Every Claim Follows One of Two Paths
The servicer determines which path — based on claim size and loan status.
Most in 13 days
Non-Monitored
Claims under $40,000
The mortgage company isn't monitoring the claim. iink handles endorsements, deposit, and disbursement without mortgage company oversight.
Do NOT sign the check before sending it, and write your loan number on the front.
Most in 26 days
Monitored
Typically over $40,000
Funds are held in escrow and released in stages as repair milestones are inspected and approved. iink guides you through every requirement.
Write your loan number or ILD # on the front, and have all required parties sign before submission.
Follow your claim from start to finish
Pick your path to see the full timeline
Non-Monitored
-
Claim Submitted & Reviewed
Instant -
Approve & Authorize
Sign ASAPiink sends reminders so nothing stalls — the faster you sign, the faster you're funded.
-
Final Review by iink
< 2 business daysPending no issues with your documents.
-
Mortgage Bank Review
2–5 business days -
Check Mailed to Mortgage Bank
Pre-paid 2-day FedExWrite your loan number on the front — and don't sign the check before sending it.
-
iink Follows Up for Release
3–5 business days -
Endorsed Check Mailed Back
USPS 7–10 days or 2-day FedExYou (or your pro) upload an image of the back showing the mortgage endorsement.
-
Submit Check for Deposit
< 1 business day to validate -
Check Clearing
~3 business daysFor checks under $100k.
-
Funds Transferred via ACH
~2 business daysSent to your connected bank account. Instant transfer available for a small fee after funds clear.
Timelines are estimates and may vary based on lender and carrier policies, volume, and other factors.
Monitored
-
Claim Submitted & Reviewed
Instant -
Approve & Authorize
Sign ASAPiink sends reminders so nothing stalls. Ensure all required parties sign the check before submission.
-
Final Review by iink
< 2 business daysAdditional docs may be requested — estimates, repair affidavits, or a conditional waiver of lien.
-
Check Sent to Mortgage Company
Pre-paid 2-day FedExWrite your loan number or ILD # (provided by iink) on the front of the check.
-
Reviewed & Deposited into Escrow
2–5 business daysFunds are held in a restricted escrow account and released by milestone.
-
Initial Disbursement Released
USPS 7–10 days or 2-day FedExTypically up to $40k or a 33–50% progress milestone.
-
Check Clearing
~3 business daysFor checks under $100k.
-
Funds Transferred via ACH
~2 business daysSent to your connected bank account. Instant transfer available for a small fee.
Then it repeats for each disbursement
Request a progress inspection, a third-party inspector confirms milestones, and the mortgage bank releases your next disbursement — repeating until your claim is fully funded.
Timelines are estimates and may vary based on lender and carrier policies, volume, and other factors.
Trusted to move claim money — securely and at scale
$3B+
in insurance claims processed since 2017
1,500+
mortgage servicers worked with
10,000s
of property owners helped, just like you
No Mortgage Company
Multi-party check deposits
When no mortgage company is involved, the check moves straight through signatures to your bank account.
All stakeholders provide approval and e-signatures
Once all signatures are in, the check begins clearing.
After clearing , funds deposit to your connected bank account.
We guide you every step of the way
Requirements vary by mortgage servicer, but iink makes a complex process as simple and seamless as possible — so you can focus on getting your property restored.