Filing a claim on a PAP with SF will increase your risk rating for home insurance rates. If you're a loyal SF customer, and don't shop around regularly, then a claim likely won't affect your rates. But if you DO shop for best rates among other companies (i.e. using a broker), you will no longer qualify for best rates if they see a PAP claim in your Lexis Nexis/ChoicePoint risk assessment record.
There have been several SF agents who have posted here over the last year confirming that such claims can cause increased premiums for years. Weigh your options carefully.