Insurance agents get a renewal commission each year on your policy so the last thing they want to do is lose your busines becaeu of unsound advice.
If this is an established agent he has probably been informed that the company has already set aside funds for these claims and he is looking to assist you in terms of making sure you are coverered for you expenses.
Additonally Loss of use MIGHT not count as a claim. It might be similiar to Glass deductible buy back on your auto insurance policy. I would think that the agent is trying to demonstrate the value of the company by keeping you informed.
If it is not worth the time and effort to file a claim for 2 or 3 hundred dollar that is a different story.
How many years has your agent been in the business? How many years has your agent been working for this company. How long have you been with the agent. IF it is a long time I might elect to take the opportunity to review your coverage and see what what your options are.
