Key points
- The deductible is your share of a covered claim — the insurer pays the rest up to limits.
- It’s usually paid to the contractor, since the insurer subtracts it from what they pay.
- Some policies use a percentage of the dwelling coverage, not a flat amount.
- General information, not insurance or legal advice — your policy and situation decide.
How it works on a typical job
- The adjuster approves the scope and price.
- The insurer pays the approved amount minus your deductible.
- You pay the deductible to the restoration company.
- Any mortgage company may be named on the check.
Should you file?
If the damage is close to your deductible, filing may not be worth it. See should I file a claim? and water damage cost.
Paying the deductible
Vault offers financing options. Vault documents the damage, records daily moisture readings, scopes in Xactimate, and bills State Farm, USAA, Allstate, Farmers, and Bear River Mutual directly.
Questions about your claim?
Call (385) 250-2825 — answered live 24/7 by the Vault crew.
Insurance claims · Questions for your adjuster · Claim timeline
Typical water mitigation runs $3,500–$8,500. See how we handle water damage restoration in Provo, or call (385) 250-2825.
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