With all due respect, WonHung, a single claim will not raise your rates or cause your insurance company to drop you. I live in Houston, TX and know lots of people who have had serious claims due to hurricanes, hailstorms, etc. They had entire roofs replaced. Insurance rates simply do no increase because of a single claim.
Technically, an insurance company can NOT raise your rates because of a single claim and they certainly will not drop you because of a $2,200 claim (although they can take away any "claim-free" discount you might have had). While its true that multiple claims might affect you pretty drasctically, you have to judge whether you consider multiple claims a legitimate future risk. As far as closing on a house, it's not so much that you have multiple claims as to what those claims are for.
BTW, this probably is a moot issue as I sincerely doubt his homeowner's coverage would cover "accidental damage" of this type anyways. Most companies specifically exclude it in the H03 docs. But as I said before, I would talk to my insurance Agent who could answer these questions specifically.
http://www.moneycrashers.com/filing-...-your-premium/
If you aren't going to file a claim for anything under $X, which in this case, is obviously $4,000, you might think about raising your deductible and saving some money.
