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Insurance Claims

Damage to your home or vehicle can be stressful. We're here to assist you with insurance claims related to collateral used to secure a Metro Credit Union loan.  

Processing insurance checks for loss or damage to collateral that was used to secure a loan can be subject to specific requirements. In many cases, the proceeds of the check will need to be used to repair the collateral.

To determine the disposition of an insurance check involving collateral used to secure a loan, please gather the required information listed below and submit it to Metro Credit Union for processing.

Metro Credit Union Insurance Claim Process

If you have received an insurance check for damage to a vehicle or property that serves as collateral on your Metro Credit Union loan, the funds must be processed correctly to ensure compliance with loan terms. Metro Credit Union follows a structured review process:

  1. Collect the required documentation (see the list below).
  2. Submit your documents and insurance check to Metro Credit Union for processing.
  3. Our team reviews submissions within five business days to determine how the funds should be applied.
  4. Once approved, the insurance check is endorsed or applied based on the collateral type and loan terms.

This process ensures that insurance proceeds are used properly to protect both your investment and loan agreement.

Required Insurance Claim Documentation

Items needed:

  • Notice of Insurance Claim for Collateral
  • The insurance check (endorsement instructions below).
  • Copy of insurance company adjuster report/estimate.
  • Copy of any bids or estimates for repair of collateral (if available).

Initial review can take up to 5 business days. Incomplete information will result in delays.

Endorsement Instructions: Individual payee borrower(s) should endorse the check if it is for a(n):

  1. Automobile loss claim payable to borrower(s) and Metro.
  2. Real estate loss claim payable only to borrower(s) and Metro.
  3. Real Estate loss claim payable to borrower(s), another lender, and Metro, and the other lender has already endorsed the check, and borrower wishes proceeds to be administered by or deposited at Metro.

Individual payee borrower(s) should not endorse the check if it is for a:

  1. Real estate loss claim and you want Metro to endorse the check and return it to you.
  2. Real estate loss claim payable to borrower(s), Metro, and another lender, and that the lender holds first security position on the collateral.

Please complete, print and sign the Notice of Insurance Claim for Collateral and return it with above referenced documents and check to: 

Metro Credit Union
Attn: Insurance Claims
14509 F Street
Omaha, NE 68137

For questions about an insurance check already submitted, please email Insurance Claims.

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