I ran this by my insurance guy, his comments were:

You should discuss the options of making a claim with your agent so you can
make a decision with all the facts.

Consider, one claim may impact your future insurance.....two
claims will definitely impact your insurance and very likely may make
you uninsurable.......three claims....use your imagination. Insurance
underwriters are particularly sensitive to claims that could
have or should have been avoided. Makes sense to me, the Ins. Companies have to look at each risk with profit
and loss potential as the bottom line.

Steve Colwell   Legacy in the sanding stage