If the contract of sale that you entered into with the buyer required you to be a named additional insured under the homeowner's policy of the buyer and you were not placed on it but the new owner is getting a pay out by the carrier and not you, your recourse would be to file a legal action against the insurance carrier for an injunction as well as an action against the owner for breach of contract.The injunction request would be for a court order that the carrier pay you the check. I would get a real estate attorney to help you right away before the check is issued by the insurance carrier.