It's probably not worth it to go through your insurance for the loss of food and perishables in the fridge/freezer. It counts as a claim on your home insurance and can result in increased rates or even your insurer dropping coverage at the next renewal.

Eh. It worked for me after that wind storm.

As previously-stated: There was no rate increase that I could discern.

I did neglect to mention that there was also no issue with renewal, but perhaps I should be more careful to always use absolute rote specificity and leave nothing to implication.

They also sent over some folks with a tall ladder to have a look at the roof of this property that they insured, which was good since we had no means to visually inspect it from the ground. (The roof was fine.)

Anecdotally, that phone call to the insurance company had no downside at all.

It provided a roof inspection that I did not have ready means to perform on my own, and a relatively small amount of money (a couple of hundred bucks) that became very useful not just because of lost food, but also due to all of the other storm-related issues that we were not insured against.