Hey Bear, sorry to hear about that, but glad it wasn't worse. I've seen/heard of cars burning to the ground from small fires getting out of control.
I have had two claims with Hagerty over about a 10 year period. First one the front wheel came off my '74 Corvette (long story) and I think it was about $2500 to fix. They sent a check the same day I sent them the estimate and pictures and never even sent an adjuster. The second one my same Corvette slipped off a jack. This cost about $5K to fix IIRC because a lot of painting had to be done to blend it in (door, hood surround, etc). My rates haven't increased significantly and they definitely haven't cancelled me. I have another friend who has made two pretty big claims with Hagerty, has been with them a few years less than me, and also hasn't been cancelled. I would recommend you get a thorough estimate to get *everything* fixed and file the claim.
Good luck! The worst part (besides all the extra work) is having your toy out of service for a while.
'68 GTO, 400/TH400, AC/PS/PB/PW, hideaways, Hurst dual gate
'72 442 'Vert, 350/TH350, AC/PS/PB/PW
'74 Corvette, 383/4-speed, 450 hp, restomod
'71 Javelin, 304/3-speed
'70 Cougar XR7 'Vert, 351W/FMX auto *SOLD*