We live in NJ. This is our 3rd flood in 4 years, 2 in the same year by a day. This mortgage company is abosoultely ridiculous and really jerks people around when it comes to getting their insurance settlement. People lives have been devistated and it takes easily 4 - 5 weeks before an adjuster gets you their settlement offer. Our adjuster gave us an advance to continue so we can begin working on our home. We had to than send it to Wells Fargo and as of today almost a month and a week later, we still do not have the advance. Since than they were sent the final settlement. They have to have their own inspector come out, than they have to give the report even though the report says 75% complete...they still won't send out hte money because they don't have the contractors paperwork it is absoultely absurb when they know the work has been done. something needs to be done with this company