Ultimately you, the property owner, are responsible for payment. As the property owner you will need to sign a form authorizing the work and payment. If this is an insurance claim, DUCKSTEIN RESTORATION generally collects only the deductible amount and bills the balance to your insurance provider as a service to you. If you have a large loss, your mortgage company may be included as a payee on the check from your insurance company, and you may need to obtain a signature from them as well. All payments for restoration services should be forwarded to DUCKSTEIN RESTORATION upon receipt. If your claim is not covered or you decide not to file a claim, you will be expected to pay in full at the time of service.