David rents an apartment in a multi-unit building, and has a renter's policy with a $500 deductible. A broken pipe causes water damage that destroys many of his belongings. Upon investigation, it is discovered that the pipe was replaced recently, and burst due to a manufacturing defect. His insurer then subrogates the claim, recovering the full amount of the loss from the manufacturer's insurer. Which one of the following describes a typical scenario regarding payment of the claim to David? Select one: A. He is paid the amount of the loss, less his deductible, immediately by his insurer. The deductible remains in effect, and that amount comes out of David's pocket. B. He is paid the amount of the loss, less his deductible, immediately by his insurer, and is reimbursed the deductible amount upon completion of the subrogation. C. He is paid in full, including his deductible, immediately by his own insurer, who then collects the corresponding amount from the responsible party. D. He is not paid at all until the claim is subrogated