Don't file insurance claim for Loss of Income on rental property?

I keep hearing Clark say not to file a claim on homeowner’s insurance except for catastrophic events, because the insurer is likely to cancel you. One of our vacation rental properties got knocked out of commission by Hurricane Helene. It did not get any damage, but it was out of service as an income property because it was inaccessible due to damaged roads and did not have water or electric utilities for weeks.

Our rental unit owner’s policy includes coverage for Loss of Rents. We have documented in excess of $11,500 of lost income due to the reservations we had to cancel until the roads were repaired and utilities restored.

We have 7 homes and 3 cars insured with this company. Does Clark really think they’re going to drop us because we file a claim on one of them? We have filed two claims with this insurance company on homes we’ve owned over the last 20 years and have never had a problem. What’s the point in carrying Loss of Rent insurance if we can’t use it?