My father held the mortgage to our home in his name alone. He past away in Jan. of this year. I am on the deed and I am owner by survivorship. In March I filed an insurance claim due to a wind storm that tore off part of my roof. I have completely followed all of the mortgage company's rules as to handling the claim, paper work, etc. As of this date I am still unable to repair my roof because the mortgage company is holding the funds and refuses to talk to me as they say I am not authorized on the account. The homeowners insurance is in my name and the check from the insurance company was also in my name. Can the mortgage company hold the funds not allowing me to fix the roof?