Will GAP Ins. Cover My Car if I Refinanced from the Original Lender?

refinanced

The GAP contract states that GAP insurance will cover for 60 months. Yet I refinanced, Does it still apply? Can anyone tell me whats this means….”Assignment of the financing contract by the lender/lessor shall not in any way affect the terms and conditions of this financial GAP program waiver. This financial GAP program waiver is transferable by tranfer of finance contract only.
Thank you for any info.

Can a Mortgage Company Hold Your Insurance Check for the Repair of Your Building?

mortgage

My building suffered hurt with a hail storm. The insurance company sent me a check made out to the mortgage company and to me. Now the Mortgage company is holding the assets and I can’t end the repairs needed. My mortgage payments are up to date.
The repairs are done, the Mortgage company inspected the repairs and they are holding the depreciation check. Would anyone know why?