I've seen so many ethics and commission complaints where the agent files a claim With their e&o carrier to only have it denied because of that threshold and they're always totally shocked.

ALE Solutions is also a site you can list on for insurance related claims. 

History shows us the actual opposite of what he and others claim will happen will actually take place. 

Often it comes down to risk/benefit analysis on whether to make a legal claim or not.

If they'll disallow you claiming a big chunk at once, in what way are you allowed to take depreciation for now and future years?

Do I need an LLC in order to claim tax benefits for STR?

Looking for guidance before I submit a claim.

You could take them to small claims court, but even if you win, you're unlikely to see the money and will have spent a lot of time dealing with it. 

I have a feeling the broker is aware of it.Can my ex-agent claim her commission even after abandonment?

Medium term housing for insurance claims.