I think you're getting ahead of yourself #1. There's nothing in your post to indicate they are likely to deny your claim. Keep in contact with them and give them a push.
I had a claim with NAC 6 months ago and the service I recieved was nothing short of flawless, though I was dealing through a broker. Every hold up I had was entirely due to the two bike shops. One supplying parts and the other making repairs.
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