1 Why might you receive a “20-day preliminary lien” notice? 2 What is depreciation? 3 I received the insurance payment and the mortgage company’s name has been included. What do I do? 4 When is the deductible paid? 5 How does the claim get paid? 6 Do I need to get multiple estimates? 7 I am confused by all the different people who are involved with my claim. Can you explain who they are?