LOXAHATCHEE, Fla. - Blue tarps stretch as far as the eye can see in the Loxahatchee neighborhood where a tornado struck in early June.
Even two months later, many of the homes are not repaired.
"This is all extremely stressful," homeowner Michelle Kepler says.
Kepler's home sustained thousands of dollars in damage including serious damage to the roof.
They say their insurance company sent them a check for over $26,000, but there was a delay actually getting the money to make the repairs because of their mortgage company Wells Fargo.
"Here we are two months later and we're $11,000 out of pocket," Tim Kepler said.
The Keplers say they thought the repairs would happen much sooner.
"I didn't think we would go sixty days with the cash in hand, but we can't use the cash," Kepler said.
They can't cash the check because of Florida Law that says the payments must be signed off on not only by the homeowner, but also the lender.
According to the Office of Financial Regulation, this has been a law since 2009.
The Keplers say they understand the law, but would like Wells Fargo to endorse the check more quickly.
After WPTV contacted Wells Fargo, the Keplers say they were contacted and told they could have their check endorsed on Friday.
Wells Fargo released the following statement:
"We are pleased that we were able to assist Mr. and Mrs. Kepler with the approval of the endorsement of their property loss check. Per investor requirements, we must obtain all appropriate documents before we can move forward with the endorsement of an insurance check."
A Wells Fargo spokeswoman said they work as quickly as they can in these situations.
"I feel like there is now a silver light at the end of the tunnel," Tim Kepler said.
Kepler hopes to start working on the roof as soon as the check comes through.
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