Insurance want to file 2 claims instead of one.. 2 payouts?

[Mike Kalob]

One peril was vandalism (covered under policy) and another sudden accidental peril (also covered).  The agent mentioned I'd have to pay 2 deductibles which I'm fine with, so I ask if I get paid out twice my coverage $15k per claim on the same property = $30k.  He said yes, but now the adjuster (not public and chosen by insurance), wants to limit it to one coverage to one payout "since despite it being 2 separate claims, it was discovered on the same property at the same time."

Does this sound right?  I'm in NJ and understand each state is different, thank you.