Allstate’s expensive, but we got significant hail damage a few years ago here in Texas, and they were quick and fair in getting me paid for the repairs. Folks with cheaper insurance were the ones complaining about the adjustment process.
You never want to collect on insurance, it means you lost. Especially life insurance.
But for the deductible, it should. You calculate how much loss you can absorb, and insure for the loss above that. And it should make you whole on the insured loss.