Fire Insurance claim check

We recently experienced a "shop" fire...total burn. Our house and property insurance has been paid for 20 years and is listed as for the house , other structures, and personal property, etc. The shop, however, was built only three years ago and was not included in the original financing of the property. In the payment check, the bank is listed a signator on the check claim payment. Why? If the House had burned down, I could understand why the Bank would need to sign on the check because it was part of the original financed portion. Am I seeing this wrong and what part should I better understand....
Dave