Emergency services fees are incurred when first responders provide services to prevent further damages to a property. The invoice for those services are typically billed to the insurance company. Is it within the legal right of the insurance company to withold the insured's deductible when paying the emergency services invoice. The deductible is part of the restoration which is not related to the emergency service required by the insurance prior to them honoring the insurance policy

An emergency service fee was invoiced (separate from restoration on a homeowners claim) to an insurance company and payment was made less the homeowners deductible leaving the homeowner liable for the balance when the insurance company is responsible to reimburse the insured for services to protect the property from further damage.