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My Mom Died With Everything Tod Or Pod To Me. Then There Was The Windstorm.

Location: Ohio.

My mom passed in November from lung cancer. We had time, and she qualified for help from legal aid (they are wonderful!) to get all her affairs in order. She made her house TOD to me (filed with the auditors office) her bank accounts POD to me and she didn't have a car to worry about.

So I started cleaning out her house. Just when I was about to list it, we were hit with a windstorm and it messed up some of her siding, and tore off part of her shingles. I filed a claim with her homeowner's insurance, they were great. Until the check came to "The Estate of Dearly Missed Mom."

There is no estate. I can't cash it to get the roof fixed because of this. I went to the bank, I need a probate number to open an account with that name. The insurance company says they can't issue the check in any other way.

And of course the house sold right away and is under contract. I have a contractor ready to go to fix it, but they need pay off the money up front and I don't have it.

I'm at a loss. How do I get an estate without anything to make an estate? Am I looking at this all wrong? I need direction, please.

submitted by /u/Physical_Relation_83
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My Mom Died With Everything Tod Or Pod To Me. Then There Was The Windstorm.

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