Something else to consider...if you have to give a quote for repairs. Be very detailed as far as what is included in the bid and, what is not.
Quite often, when someone has a claim, they see it as their golden opportunity to have all the things they never had, but always wanted.
A lot of homeowners will want ceiling fans and receps added for flat screens, under-cabinet lighting, recessed lighting, etc....stuff they didn't have to begin with and, things their policy may or, may not cover. Make sure you and the resto company are on the same page from the start, as far as what is included and, who is paying for what.