An insurance policy is a contract--both parties (homeowner and insurer) are bound by its terms. The insurer may deny claims if and only to the extent they may do under the terms of the policy. To answer your question, you need to review the policy in detail, so see what your obligations are post-claim. If you are unsure how to interpret the policy or what your obligations are, bring the policy to an attorney who can review its specific language with you.