Contact your insurance company to report the claim. Your insurance company will send an adjuster to your home to assess your property damage, determine a claim settlement, and issue an insurance claim check.

Notify M&T of your claim by calling us at 1-888-882-1858 or 1-888-882-1847. We are available Monday – Friday 8:30 AM - 9:00 PM EST.

Depending on the loan requirements and claim amount, we may need you to endorse the check and send it in for deposit. 

Call us at 1-800-724-2440 or visit an M&T branch. 

Online

Visit insuranceclaimcheck.com/mtbank where you can do the following:

• Report damage, upload pictures and documents
• Download forms and submit insurance documentation
• Make repairs & request inspections
   

Mail-In

Regular Mail:

M&T Bank Loss Drafts Dept.
P.O. Box 6501
Springfield, OH 45501

Overnight Mail:

M&T Bank Loss Drafts Dept. 
One Assurant Way
Springfield, OH 45501

Obtaining Endorsement at your local branch will depend on the claim amount and status of your loan.

We recommend you call the numbers below to confirm prior to mailing in your check or visiting a local branch.

Mortgage Loan: Call 1-888-882-1858 or 1-888-882-1847. We are available Monday – Friday 8:30 AM - 9:00 PM EST.

CHOICEquity (HELOC): Call 1-800-724-2440. 

If your claim check is eligible for Branch Endorsement, please visit our Find a Bank or ATM Near You page to locate a branch near you.  

You also have the option to mail in your Insurance Claim check for endorsement at the addresses below:

For Mortgage Loans:

Regular Mail
M&T Bank Loss Drafts Dept.
P.O. Box 6501
Springfield, OH 45501

Overnight Mail
M&T Bank Loss Drafts Dept. 
One Assurant Way
Springfield, OH 45501

For CHOICEquity (HELOC) Accounts:

M&T Bank Loss Draft Dept.
P.O. Box 1288
Buffalo, NY 14240

You can either bring the check to an M&T branch or mail the check as following:

Mortgage Loans:

Regular Mail
M&T Bank Loss Drafts Dept.
P.O. Box 6501
Springfield, OH 45501

Overnight Mail
M&T Bank Loss Drafts Dept. 
One Assurant Way
Springfield, OH 45501

CHOICEquity (HELOC):

M&T Bank Loss Draft Dept. 
P.O. Box 1288
Buffalo, NY 14240

Due to investor guidelines, we are required to monitor the progress of repairs for large claims or for claims on delinquent loans. 

No, you do not need an M&T Bank checking account to deposit your check. 

We use periodic inspections to confirm the progress of repairs. Our inspection team will reach out to the homeowner or their contractor to schedule the inspection appointment. 

M&T Bank has a financial interest to ensure the home is repaired to the condition before the property loss. 

The first inspection should be requested when you and your contractor agree the work is about 50% complete. The second inspection should be requested when you and your contractor agree the work is about 95% complete.

These inspections must be completed for insurance claim funds to be released.

We will deposit your claim funds into a special account for your repairs. Claim funds are then released in three draws (checks). 

The first draw of funds will be released after all necessary forms,  insurance and/or contractor documents are received. 

When you and your contractor agree the work is 50% complete, for mortgage loans contact us at 1-888-882-1858 or  insuranceclaimcheck.com/mtbank; or for CHOICEquity (HELOC) call 1-800-724-2440 to request an inspection. The second draw will be issued after the inspection confirms the progress of repairs.  

When your repairs are about 95% complete, contact us to request your final inspection.  The third and final draw will be released once the inspection is complete and the work is confirmed to be 100% complete.

Yes, a claim packet will be sent after you notify us of the claim. The claim pack includes contact information, an explanation on how the funds will be released, and forms specific to your claim.

For mortgage loans, please call 1-888-882-1858 to speak to a Loss Draft representative, or log into insuranceclaimcheck.com/mtbank. 

For CHOICEquity (HELOC) accounts, please call 1-800-724-2440.

The funds issued by the insurance company are for the sole purpose of repairing the damages to the home. 

If claim funds remain after repairs are 100% complete, we can review a request to apply the funds to the loan.  If you decide to not repair the property, we will review your loan agreement, and the funds may be applied to the outstanding balance on the loan according to the terms of your mortgage.  

For mortgage loans, please contact us at 1-888-882-1858 for more information. For CHOICEquity (HELOC) accounts, please contact us at 1-800-724-2440. 

If you wish to use your insurance claim funds to pay off your mortgage, please contact M&T Mortgage Customer Service at 1-800-724-2224 to let us know your intention and request a payoff quote. The claim funds must be sufficient to pay off your loan.

If your loan is eligible, we will issue a check in the amount that exceeds your principal balance as the first draw of claim funds. 

For mortgage loans, please contact us at 1-888-882-1858 for more information. For CHOICEquity (HELOC) accounts, please contact us at 1-800-724-2440. 

Please contact your insurance agent for more information.  The bank cannot request additional claim funds on your behalf. 

Payments to public adjusters or attorneys hired to help with an insurance claim are between the borrower and the third party.  We are unable to pay public adjusters or attorneys using the claim funds.  Any funds remaining after all work is 100% completed, and all contractors are paid will be released back to you.  You are responsible for payment to the Public Adjuster or Attorneys hired to assist with your claim.