Morally the right decision

Ok so I received a sum of money yesterday from my insurance company that I wasn't expecting. I call my insurance agent, they tell me that three people paid this amount. Myself, my mortgage broker (which has put us threw hell and cost us an arm and a leg) and the title company. My insurance agent says to call the broker and see if they have esscrowed it.
Hmmm should I just cash it and say oh their mistake. They owe us for all the hassle and not say a word. Or do I call and do the moral thing. We really need the money.