They only monitor your driving habits if you're dumb enough to volunteer to put one of their devices in your car. You want them to monitor cell usage? Without permission? Just have the right to do so? Not me, but you can feel free to volunteer.

Like you, I had damage from a storm at my house. About $10k in damage back in 2016. I filed a claim. My roof had 1 damaged shingle, which I fixed myself. The independent appraiser and a roofing company both told me they could get my roof replaced, and I declined because I had no other roof damage. I've written appraisals on plenty of roof claims over the years, I know how the game is played, but I was not going to partake in that.