Insurance claim rehab - so far so good?

[Christen G.]

We had a major flood in an upper unit that spread through 2 units and now I'm in the middle of a major insurance claim and subsequent rehab - good times! I've never done this before, so some of the procedures are pretty foreign to me. For example - because of the amount of the first check, they had to physically mail me a check to endorse, then I had to send that to my mortgage company - who also has to sign it and then they're mailing that back to me. The pillar of efficiency!  I understand that this is to ensure that we actually do the rehab and not just pocket the money. My questions are: 

- Should I expect some kind of "final inspection" from either the mortgage or insurance side?

- Is my insurance premium certainly going up now?

Thanks for any insight, tips and encouragement! Some "before" pics below!