My mortgage payment includes and amount that is held in an escrow account.  This account is used to pay my property taxes and my home owner's/hazard insurance when those bills come due.

You had an electrical short in this electrical box, requiring the removal of the drywall and replacement of the box. It did not effect any other portion of your house. Is having this drywall repaired enough of an expense to file an insurance claim?

Instead of directing it away from your house, your gutters and downspouts dump rainwater directly next to your house, where it puddles until it is soaked into the ground. How might this affect your house or your insurance?

If your house sits in an area that has been determined to be within a flood plain, what impact does that have on your home owner's insurance?