Every claim is different. The standard if it is an insurance claim, the insured will receive a check from their insurance company with the final amount, and then a check will be made out from the insured to our company in our name. In some cases, it is sent out to us directly. Every claim is processed a little differently. Regardless of how and when the final payment is distributed, the final payment will not be cut until a certificate of satisfaction (COS)is signed from the homeowner stating that they are satisfying with the services rendered from M.C. Shine.