How will the claim affect my insurance coverage?

[Mark A.]

I have multiple SFHs all insured by travelers.

In 2021 I had to file a claim for a property because of a faulty plastic piece connected to the toilet. The tenant wasn’t home and the toilet leaked and damaged all the floors. Claim was about $6000.

Now I was just notified by my PM that the roof on the same property was badly damaged by wind. The quote by my roofer for replacement of the roof was for $7500.

I made the claim. The insurance adjuster basically told me to make the claim (without explicitly saying so).

If they decide to pay the claim would you take the insurance money? Or am I going to pay extremely hard for this with premium change or a drop in coverage? Does not accepting the insurance money even help me if I already made the claim?

Any advice would be greatly appreciated!

Thank you!

Mark