When filing a hull claim, pilots will always be responsible for paying the given deductible.
If the drone or equipment is a total loss then you will be sent a check for the total value of the drone minus your deductible. The deductible for policies issued starting in February 2023 is 10% of the insured value. The exact amount can be found on the Physical Damage Coverage Endorsement of your policy.
After sending a representative a quote, you will be sent a check for the repair minus the value of the deductibles.
In some cases, the drone repair amounts to less than the deductible itself. In these cases, it is usually best to not follow through with a claim. This is of course up to each policy holder to decide.
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