Among the responses to my story today about Sandy victims who can't shake any insurance money out of the National Flood Insurance Program, featuring Maurice Corkery of Delaware County, above,  was an e-mail from Anne Cancelmo of Ocean City, who writes, "How about an article on the topic regarding insurance companies when writing a check to cover losses write it to the homeowner (aka morgtage holder) and the bank (mortgager).

Cancelmo goes on to write, in a complaint I have heard often: "Therefore both parties must sign check. And how about the bank putting check into escrow account to micro manage and approve any repairs homeowner will make? No matter insurance company has documentation already and has approved repairs. No matter repairs have been made an dhomeowner just wants reimbursement.

"TD Bank has this policy. So does Wells Fargo. Problem is you don't know this until u go to deposit insurance check.

"The aftermath of the storm is worse than the storm, but I still consider myself lucky. But others are not so. Just another insult to injury."

One homeowner in Brigantine told me that to avoid this problem, he dug deep into savings and paid off his mortgage so he could deposit the insurance settlement outright and have access to the cash as he saw fit.