a. This depends on your insurance company and your unique insurance policy. You should contact your agent to verify.
b. Your deductible is what you agreed to pay out of pocket toward any loss claim. The deductible is normally collected on the rebuild part of the loss, and is paid directly to the company conducting the work.
c. PuroClean is contracted by you, not your insurance company, and thus will need to be paid by you within the specified amount of time as set in the Service Authorization.