If you contact your insurance "claims" group, this will count against you, regardless of who pays in the end.

DO NOT CONTACT YOUR CLAIMS REP! Contact HERS!!!

Personal Lines insurance is based off of claims frequency, not payout. Frequency is too high, you get cancelled, and this WILL count against you if you contact your insurer.

But feel free to contact your agent for further guidance, they will assist you (AGENT, not CLAIMS). Also, if you have issues, contact the Florida Dept of Insurance. They will help for FREE.

Charles