Look at it this way. You were probably debating whether to get the grille fixed because of the pin pulling out, now you have a good reason to have it done over or go for a different grille without feeling guilty about it. I've never made a claim on my Grundy insurance, but I'd wonder if a relatively small claim might affect your coverage in the future? I'd check around with some folks that made a claim like this to see if they had any problems being reinsured or having their rates rise later.