Always report the damage, even though you may not file a claim. It's best to put your carrier on notice ............ just in case.
Not you..............But I'm frequently surprised at the low level of deductibles people carry. I very insurance to cover what I can not afford. Auto: "Can 'you' afford $250, $500, $1,000???" Yes........don't like it, but can afford. Home Owners: "Can 'you' afford $1k, $5k, $10k???"
Just my view.
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