Will a power outage damage claim affect our insurance coverage in the future?

[Grace Wang]

A voltage fluctuation caused by Dominion Power neutral wire happened in our residence last week. A lot of major appliances such as AC, built-in microwave and wall oven, dish washer, TV and car garage system did not function after this incident. Dominion Power rejected to compensate the repair and replacement costs, and encouraged us to file a claim to our home insurance company. I am concerned that my name will be entered to the database and have difficulty to get appropriate insurance coverage in the future if we file a claim. However, we don't have much choice since the replacement cost will be at least $5,000 for all the damaged items. Will this claim affect our rental insurance since we have all our residential and rental policies with the same insurance company. Any input will be appreciated!