Legally, if you have a policy with an insurer, they are bound in contract to the terms of that plan. If your home is damaged in a way your insurance plan should cover in the future, your insurance company cannot refuse to pay because you engaged in legal action against them in the past. While companies may try to retaliate, such as intentionally slowing the claim payment process, such actions would often be considered illegal, although it would depend on the specifics of the situation.