Insurance will not cover a defect. It covers accidents, acts of God and theft, if your coverage applies. If it's under warranty and the manufacturer declined payment because of defect then they could help subrogate the funds if possible. If you are going to make a claim you need to do it before repairs unless you have solid proof of the damage. They will want to inspect the damage to confirm it is "accident" related. One of the biggest mistakes people make is getting repairs done and then try and get reimbursed.
