The carrier believed the loss was caused by wave action, a coverage excluded on the policy. The policyholder filed a lawsuit against the carrier claiming the damage was due to windstorm. The agent's involvement in the claim hinged on the ruling of the court. If there is no coverage, then the deductible difference is not an issue. Fortunately for the agent, documentation of his conversation with the insured indicated that he discussed all the deductible options.
Complicated deductibles require greater communication with the insured.