First of all, I didn't say that I am not going to take your advice. 2ndly, my insurance has told me that they will send an adjustor if I file a claim. I can withdraw the claim if we decide not to go through insurance for payment.
Finally, he is my colleague and has a bad reputation among project teams for being very rude. I have talked to HR about this. HR commented that such behavior is very unethical for our industry (we may have very different policies than other industry).