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Bummer on the lost time. Hope you are busy, I have been scrounging for work and the two Mill shops I use are DEAD. This economy sucks.
I agree with you on the claim bit, especially if you carry any liability or business insurance with the carrier. It usually costs you more than the loss in the long run.
The filter I lost was an Omni whole house. I have two of them in-line. One with sediment filter and one with charcoal. I fed only the kitchen supply. That way I get more life from the filters. I didn't have any issue with discoloration, just sediment and taste.
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