Had my HVAC stolen but I have insurance. Advice needed.

[Jordan Dooley]

So I closed on my first rehab 3 days ago. YAY! But now someone has stolen my AC unit haha. We have insurance and our deductible is $1k. I heard Acs can cost $3k-$5k? is that accurate? I'm in Atlanta, GA.

Also, my partner is saying maybe we shouldn't make a claim because too many claims will make it harder to get a payout? That's what it sounded like. But also an insurance agent told me the insurances are temporary and don't carry on to new projects. Can someone shed some light for me? Yes, this sucks but we have a $10k fluff margin in our budget so we expected things. I'm just excited to be able to learn from this experience.