If you have a mortgage on your home, payments for repairs may be made payable to you and your mortgage lender.
In most cases, you pay your deductible to the contractor who does the repairs.
A deductible does not apply to loss of use coverage. However, you may be responsible for a deductible for other parts of your claim.
Payment is made after you incur the expense. Your Safeco claims representative will review the receipts and issue payment for only the covered expenses that exceed your normal living expenses.