Our old garage suffered some storm damage in 2003. The insurance company
totalled it and paid us the amount it was insured for. We patched the
roof and the garage was perfectly usable. We haven't yet gotten around
to rebuilding the garage, and now it looks like there is a divorce on
the horizon. Neither one of us wants to keep the house so we will sell
it. I can't image trying to rebuild the garage in the middle of getting
a divorce, especially when we are selling the house.

What happens in this situation? Who do we owe money back to for the
money paid by the insurance company but never used to repair the damage?

I don't want to ask the insurance company at this point because of
horror stories I have heard about insurance problems after simply asking
questions.

Thanks,
Kelly