Unfortunately the check if payable to the estate cannot be just cashed. Try and contact the insurance company to see if they will reissue itl. Another alternative may be an Small Estate Affidavit signed by whomever is entitled to the property. This affidavit can be used when the estate is under a certain dollar value. In Arizona right now that would be $75,000. You can find the form on line or any estate attorney should be able to assist you for a modest fee.
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