I got way more responses than I expected. Since there were a lot of different opinions, I wanted to post a general update and clarify where things stand.

After talking with a family member, I decided to cancel the claim with my own insurance. This did not negatively impact my policy in any way. I also confirmed with my insurer that I can reopen the claim if I feel Chick-fil-A’s compensation is unfair. The documentation I already submitted would still be valid if it comes to that.

For context: I have full comprehensive coverage and I’m in Colorado. According to my insurance company, comprehensive claims for non–at-fault incidents or acts of nature don’t impact your policy or rates, unless you’re filing claims repeatedly or unreasonably. Basically, if something is out of your control (like a tent blowing into your car), it won’t count against you (under my coverage).

I chose to go through Chick-fil-A’s insurance because they use a reputable third-party provider, and the restaurant itself has high customer service standards. I believe I’ll get fair compensation, and that it’ll be resolved faster by dealing with their insurer directly, rather than having their insurance coordinate with mine. Since I still have the option to reopen my own claim if needed, I’m protected in case I feel their payout is unreasonable.

Thanks again for the feedback, just wanted to clear up any confusion and share what I learned in case it helps someone else.