Loss Draft Directory
Every major US mortgage servicer, explained.
Phone numbers, portals, required forms, and realistic timelines for every major loss draft department — each data point linked back to the official servicer source.
What’s a loss draft?
A loss draft is the process your mortgage servicer uses to hold and disburse insurance claim funds when a check is made out to both you and the mortgage company. Every major servicer has different forms, inspections, and timelines. These guides cover the exact process for each one. Read the full loss draft definition →
All data verified from official sources
Every phone number, portal URL, and mailing address below is pulled from the servicer’s own official page — with the source link on each entry. Last full directory verification: . Re-verified quarterly.
Wells Fargo
Also: Wells Fargo Home Mortgage, WFHM
The largest US residential mortgage servicer. Wells Fargo handles insurance claims through the Assurant-operated InsuranceClaimCheck.com platform, with separate workflows for mortgage and home equity accounts.
Chase
Also: JPMorgan Chase, Chase Home Lending, Chase Mortgage
JPMorgan Chase services about 3 million mortgages. Loss draft processing is handled through the Assurant InsuranceClaimCheck.com platform, with mail sent to the Springfield, OH Assurant facility.
Mr. Cooper
Also: Nationstar Mortgage, Mr Cooper, Nationstar
Formerly Nationstar, rebranded to Mr. Cooper in 2017. Mr. Cooper services roughly 4 million loans and processes loss drafts through the InsuranceClaimCheck.com platform.
Rocket Mortgage
Also: Quicken Loans, Rocket
Formerly Quicken Loans. Rocket Mortgage publishes separate insurance loss guides for claims under $50,000 and over $50,000, reflecting a two-tier process.
US Bank
Also: U.S. Bank, USBank Home Mortgage
US Bank services about 1.5 million mortgages and routes loss draft processing through the Assurant facility at 1 Assurant Way, Springfield, OH.
PNC Mortgage
Also: PNC Bank, PNC
PNC services roughly 500,000 residential mortgages. Loss claims are handled via a dedicated Hazard Insurance Loss Claims team and documents route through InsuranceClaimCheck.com/433.
Flagstar Bank
Also: Flagstar Mortgage, Flagstar Financial
Flagstar services about 1.5 million mortgages and subservices for many smaller lenders. Following NYCB's 2022 acquisition and 2024 rebrand to Flagstar Financial, the servicing platform remains consistent.
PennyMac
Also: PennyMac Loan Services
PennyMac services roughly 2.5 million mortgages through a dedicated Loss Draft Department, with submissions routed through InsuranceClaimCheck.com.
Why so many servicers route through InsuranceClaimCheck.com
If you’ve submitted claims for more than one servicer, you’ve probably noticed that Wells Fargo, Chase, Mr. Cooper, US Bank, PennyMac, Flagstar, Rocket Mortgage, and many others all send you to the same website: InsuranceClaimCheck.com.
That’s because most large US mortgage servicers outsource loss draft processing to Assurant, an insurance services company headquartered in Springfield, Ohio. Assurant operates the InsuranceClaimCheck.com platform (with servicer-specific URL paths like /WellsFargo, /chase, or numeric paths like /433 for PNC) and runs the physical loss draft mail facility at 1 Assurant Way, Springfield, OH 45505 and P.O. Box 6501, Springfield, OH 45501.
Practical implications for you:
- The Springfield, OH address is real.If your servicer tells you to mail your check there, that’s not a scam — it’s the Assurant processing center most of the industry uses.
- The portal is legitimate.InsuranceClaimCheck.com is the official submission channel for many major servicers, even though the domain isn’t servicer-branded.
- Speed still varies.Even though many servicers use the same back-end, their individual review queues, correspondence styles, and disbursement policies differ significantly. That’s why our Servicer Report Card grades them separately.
Some servicers also use MyCoverageInfo.com for insurance policy information (not claims) — also an Assurant-operated platform. The two sites are related but handle different tasks: MyCoverageInfo is where you upload your declarations page when you renew a policy; InsuranceClaimCheck is where you submit claim check documentation.
Don’t see your servicer? CoPayee covers all major national servicers and most mid-size ones. For smaller lenders and credit unions, many of which subservice through Flagstar or Assurant, our AI assistant walks you through the generic loss draft packet and finds the right contact info. See FAQ.
Skip the servicer-specific research.
CoPayee identifies your servicer from the check and generates the exact packet they require.
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