<prompt> Human: Im a new homeowner and I received a check made out to me and my bank. Im heading to the bank to get it endorsed by them today but I have a couple of questions. If the amount I get charged is less than what I received do I get to keep the rest of the money? After I get my roof replaced do I need to submit something to my insurance that its been replaced?On another note I also received a check to get the fence pressure sprayed and stained. What If thats something I can do myself, can I keep the money or do I have to give them an invoice from a company?  <response>: If I remember correctly the way it worked for me is that I got a check for depreciated cash value at begin. As I submitted receipts they gave the the actual cash value. . .. I dont know if Im using the terms right. So lets say my window is 10 years old and worth 500 bucks. A new window is 750 bucks. If I wanted the extra 250 I needed to submit proof I got the work done.My roof was only covered per the depreciated cash value, so there was no need to submit anything to the insurance company. My windows and other damage . .I got checks if I submitted the receipts to the mortgage companyNote: My bank said to me that due to my credit score, payment history, etc. . .they didnt require proof that I fixed the roof. The bank itself may have rules for you . . .to make the endorsement happen. 