Insurance replacement

So it happened. The unthinkable. A 2 year old guest picked my prized posession off the table among all the other items that were there, and dropped it into the ONLY place where he had access to water...the toilet.:eek::mad:

Of course I have insurance, so the reason for this thread, besides generating some sympathy!!!, is 2fold.

First, be aware that the deductible is NOT $50 as I presumed, but rather $89. On the upside, Asurion (the insurance provider from VZW) is giving no-extra-charge next day shipping to my office. All my previous deductibles I think were $50, but this one is higher for whatever reason...I complained to the site that they did a poor job of explaining why it was higher.

The second purpose of this post is to either generate discussion or have my question answered: I realize I will need to re-download any apps that I want, but if I paid for them, do I have to pay again since it is an open store? will it recognize that my phone # purchased them before? I know with iTunes,and purchased music, apps, etc. could be reloaded cost-free one time back into your iTunes...what should I be expecting tomorrow?