Because some jackwagons screwed it up for the rest of us. My mortgage company only freed up 10% of the check, so we had to come up with the rest of the 50% to get the work started. The mortgage company actually sent an inspector to make sure the work was done before freeing up the rest of the insurance money which effectively paid us back minus the deductible.
People gaming the system messed it up for the rest of us.