Your umbrella insurance doesn't have a separate deductible in this case, because the homeowner's policy covered part of the loss. (investopedia.com)
For example, you might want to claim only part of the loss against income that was taxed at a higher marginal rate and apply the remaining portion of the loss to another year. (taxplanningguide.ca)
Granted, that was a very different situation then, with category fraud a big part of that loss / win for her. (awardswatch.com)