I feel ya. Chase bank is driving me crazy. They have a procedure for getting your insurance company checklist of damage along with the check. The bank holds the check until you do the work and then they reimburse you. In my case, State Farm said they owed me absolutely nothing and all of the damage was pre-hurricane Ida. So I sued them. I claimed attorney fees, bad faith, penalties expert fees, filing fees, interest, etc.. the case was removed to federal court where in that district, you can’t do any discovery and you have to sit around for a year to have a court ordered mediation.
So I went to mediation where they repeated that they owed me nothing. Five hours later, we walked out of mediation with the case settled. The only document is one page that says they give me X to go away. There is no judgment or even an informal agreement about what parts of My Home were damaged by the storm. Basically, the cost of defending the federal lawsuit was x- and so they paid me less than X just to leave them alone.
getting through to the higher-ups who know how to handle litigation proceeds has been a pain. And while I know they need to protect their interest, I have about 70% equity in my house, so even if I spent the settlement money on hookers and blow their property value is totally protected in the event they need to foreclose in the future.
I hate banks