Homeowner insurance policies always have a deductible. When setting up your homeowners policy, you choose what you want the deductible to be. You could choose to have a zero dollar deductible but in my experience, this is rare because your insurance premium increases as your deductible amount decreases.
A deductible is an amount that the policyholder is responsible for contributing before the insurance company will pay for any expenses.
You chose what your deductible would be when you applied for your homeowners insurance policy. If you don't know what that amount is, just take a look at your homeowners policy declarations page. Just call your insurance agent and ask for it.
* Warning: Insurance agents regularly advise homeowners to call them before calling their insurance company's claims department. If you are considering filing a homeowners claim, call your local insurance agent first. Click here for the reasoning behind my suggestion.
The amount is deducted from your claim payout. Who you pay your deductible to depends on the company or individual you hire to do the work. The deductible does not always have to be paid before work can begin but some companies do require this.
The Insurance Information Institute has so much helpful information on this topic. Click here to visit that page.
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