Chase Bank 2nd Mortgage & FEMA Flood Check

I was recently flooded. Chase bank holds a very small 2nd mortgage on my house and GMAC holds the principal mortgage. Chase is trying to say they have a new policy in place where everyone else would sign the FEMA check and they would deposit it, hold it and issue it to us a little at a time. I had to pull money from my 401K in order to pay for the flood damage up front and this is my reimbursement money that has to go back into my 401K. How in the world can Chase Bank get away with this?? Who makes up these stupid rules and where does one get protection from them? It’s not their money, it is mine.