Initiating and substantiating a claim now regardless the time frame it takes to unearth all the intricacies and arrangements for repair or replacement should be done at once.
Simply ask your agent & carrier what is needed to satisfy or even actually be covered by your particular policy.... they have to tell you that info. then simply stay within the parameters of the claiming proceedure.
Some states prohibit ins co's from re-raising rates inordinately following a claim.
Given the investment of high end pieces, I installed a few power line items to help overcome just such instances. So far... they've done their jobs and the gear has been saved.
I also installed a direct same same replacement rider on my home owners insurance policy. Consequently, age of the thing is a non issue then. The only issue then is if the item is no longer being produced.... then it is simple cash value at the time i BOUGHT IT. Otherwise it is replaced by the current edition of it.
Personally, the investment in power line surge & spike protection is the simpler easier path.... as one is not always home to unplug everything. I'm quite grateful for the littel PS Audio & Running springs gizmos on hand now around here. They do work quite well on two fronts... power line nasties, and uh, yes, even lightening.... well so far anyhow.