I just found out the hard way that I have a $1,500 water damage deductable. I never knew til I made a claim. Is this common? I thought teh 500 dollar deductable was for whatever, I didnt know they could charge a different one for water damage, and they dont cover the plumbing bill, just the damage. does this soudn right or am I getter ripped of? is there limits to whatt they can make the deductable?