Your claim check,
endorsed in days — not months.
The fastest way to get an insurance check endorsed by a mortgage company. CoPayee uses AI to extract payees, match your servicer, and generate the exact packet they require — in minutes.
The loss-draft nightmare
Your check is stuck in mortgage limbo.
When an insurance check has a mortgage company listed as co-payee, the money sits frozen. Contractors front the cost. Families wait. Adjusters chase forms.
Endorsement delays
Mortgage loss-draft departments take weeks to respond — if you even send the right paperwork the first time.
Per servicer, per claim
Wells Fargo, Mr. Cooper, Chase — every servicer has different forms, inspections, and rules. Miss one and you start over.
Cash flow crunch
Contractors finance the job out of pocket while checks sit unendorsed. One stuck claim can sink a small shop.
How it works
From check photo to endorsed in four steps.
Snap the check
Upload a photo of the front and back. That's it.
AI extracts everything
Payees, amounts, claim number, property address, and conjunctions (AND vs. OR).
Match the servicer
We identify the mortgage company and generate their exact packet — cover letter, affidavit, and required forms.
Invite payees to sign
Secure e-sign links get every party to endorse in one clean flow.
Everything you need
Built for the way claims actually work.
AI check OCR
Claude Vision reads handwritten and printed checks — payees, amounts, memo lines, MICR.
Mortgage servicer database
Every major loss-draft department: contacts, required forms, processing times, special instructions.
Packet generation
Cover letter, loss draft affidavit, and pre-filled servicer forms — generated in seconds.
E-sign invites
Send one link per payee. They endorse from any phone. Full audit trail included.
AI claim assistant
Chat with an AI that knows your claim, servicer rules, and the exact next step.
Pipeline tracking
See every claim's status across inspection, endorsement, release, and disbursement.
Built for the people on the hook.
Stop fronting five-figure jobs.
Restoration, roofing, water, fire — if you're waiting on insurance checks to clear, CoPayee turns weeks into days so you can invoice and move on.
Learn moreClose more claims, faster.
Generate servicer-ready packets in one click and give your clients the one thing they care about: their check.
Learn moreGot a stuck insurance check?
Our $49 DIY Claim Kit walks you through getting your mortgage company to endorse your check — step by step.
Learn morePricing
Start free. Scale when you're ready.
Free tier is reserved for verified contractors and public adjusters.
Starter
1 claim, forever
- Full AI OCR
- 1 document packet
- E-sign invites
- Verified contractors & PAs only
Pro
PopularMost popular
- 15 claims/mo
- $25/claim overage
- Unlimited packets
- Up to 3 team members
Scale
For growing teams
- 50 claims/mo
- $15/claim overage
- White-label invites
- Unlimited team members
Enterprise
Unlimited scale
- Unlimited claims
- API access
- SSO + dedicated support
- Custom onboarding
Stop waiting on endorsements.
Start free today.
One free claim. No credit card. Takes about two minutes to set up your first claim.
Start free — 1 claim on us