Grisel,

The point I was trying to make was that you always subtract the deductible from the loss and not from the policy limit.  If you subtract a small loss from the policy limit, you would receive a HUGE sum of money from the insurer - and insurance doesn't work that way.  Always subtract a deductible from the loss.  If you still don't understand, please email me at bradburn@oltraining.com and we can discuss further.

Jan