Consider your deductible to be similar to a doctor's copay. Your deductible is the amount you are responsible to pay to whoever is doing your work. The insurance deducts this from their total payout for the claim before issuing any money. They expect you to pay that deductible (copay) as part of your obligation for the work to be done. Unfortunately, some contractors will try to find back door ways to “waive” the deductible amount. This puts both the homeowner and contractor at risk for prosecution for insurance fraud charges.