The deductible is the part they leave you.

DOP VIP is deductible offset protection. DOP is for everyone — residential or commercial. It is a membership, sold at dopvip.com, for the deductible that would otherwise come out of pocket.

A house is $14.95 a month for every $1,000 of protection, from $500 to $15,000. A business is $29.95 a month for every $1,000, from $1,000 to $30,000. The rules are the same either way. Your membership has to be active for 30 days before the loss. The loss has to be at least $1 more than the amount you picked. Send us the scope of work from your insurance company.

Beth T. of San Antonio is the member on the record here. Her repairs were stuck, and not writing the deductible check is what she said made the difference.