Damage Costs Are Less than the Deductible. If the cost of your damages falls below your deductible amount, your claim will be denied. For instance, if you have $500 in damage or loss, but your deductible is $1,000, then the claim makes no sense.amage Costs Are Less than the Deductible. If the cost of your damages falls below your deductible amount, your claim will be denied. For instance, if you have $500 in damage or loss, but your deductible is $1,000, then the claim makes no sense.