This decision is ultimately up to you. We will perform restorations regardless of whether you file a claim or not. You’ll want to evaluate how the claim may affect your premiums before deciding to file. Also, if you have a high-deductible plan, it may not even be worth it to file a claim if the cost of repairs is less than your deductible. We encourage out to talk to your insurance company so you can fully understand how they will handle a claim should you decide to file one.