We lost our house in a fire two months ago.

When we moved into the house 9 years ago, the mortgage was in the name of myself and a friend.
Less than a year later the friend quit claimed the house and property to me.

Now that the insurance company is settling with me, I was disconcerted to see my friend's name still on the mortgage, and her as a payee on the check.

Does this mean that she is legally entitled to half of the settlement money?