Handy.com asked me to go through home insurance first before they approve a claim

[Christina Banker]

Hi there,

I purchased a floating TV stand from Wayfair and hired the Wayfair partner handy.com to install it. Unfortunately, the TV stand fell off the wall, damaging the whole TV stand, PS4 Pro, and drywall. It was apparent that the handy person did not correctly install the TV stand. It should have been installed on a wood stud, but instead, he just put it on the drywall. I submitted a claim asking for a reimbursement of the value of the TV stand, the PS4 Pro, and the repair of the drywall, which in total is $1300. The handy.com claim team apologized for the accident and requested me to go through my home insurance first and show them my home insurance deductible and coverage before they could approve the final claim. 

My question is, do I have to go through my home insurance first for this situation? I don't want to go through my insurance because it will increase my future premium, and I don't think I should be the one who is "punished" by this wrong installation. In addition, my home insurance deductible is $1500, which is higher than the claimed reimbursed amount. 

What is my standing ground here in refusing to go through the home insurance first? Thank you!