According to Uniform Commercial Code (UCC) Section 3-312, a certified check or a cashier's check is fully recoverable if the check is .

lost or stolen

Explanation:

The Uniform Commercial Code is one of the primary sources of the contract law in the United States of America together with the Common law. The Uniform Commercial Law is commonly known as the UCC and it is one of the "uniform law" or the "modern laws" in the United States.

Under the section 3-312 of the UCC if a check is a certified check or a cashier check and if the check is lost or stolen, then the claimant of the check can fully get the refund of the amount by submitting a declaration to the bank and have to wait for 30-90 days to get a replacement check or the refund of the money. The claimant may have to present a indemnity bond to the bank.

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