Insurance question: Should a mortgagor (bank) be liable for some or all of the deductible?

Fictitious Scenario: Notsobig Bank holds the note on Jake’s mortgage when Jake’s area experiences catastrophic wind and hail damage. Jake is paying for his insurance through the bank, which is also a named stakeholder on the policy. Premiums are included as part of the monthly mortgage payment. So the insurance company adjusters and the contractor agree upon a settlement of $30000, with a 10% deductible. So Jake has to come up with $3000 cash to complete the payment to the contractor. Can Jake get all or part of the $3000 from the bank, since the bank has a stake in the maintenance of the property?