[mothered]

[quote="Catalysteffect" pid='1036928' dateline='1629251975']

But I worry about them asking or waiting for a insurance claim
is it possible they might send a representative out themselves

Not every structural damage warrants an Insurance claim and If It does, It's entirely your choice - pay the excess to the Insurer to cover the cost of repairs, or fix It yourself.

The representative has absolutely no say In the matter, nor does he have the right to enter your private property.