My tripod tipped over with my camera and a 55 - 300mm lens. The lens mount broke apart. The lens for sure has to go in for repairs. I managed to get the other 1/2 of the mount free from the camera and put another lens on. I took some pictures and from what I could tell the camera functioned alright. I think that given the circumstances I should send the body in for a once over. It is a D7000 and wouldn't want t pay more in repairs than what it is worth. On the other hand I am newly retired and don't have money to burn.
None of this will be covered under warranty, so I'd wait on the camera for now. Furthermore, there's a pretty good chance that Nikon will disclaim any future warranty claim and write any issues off to "impact damage" - in effect you probably have no warranty on the camera. You could call Nikon and ask them about the lens. I think they will tell you that it's beyond economic repair, since a new one will cost around $400 and virtually any class C repair will run at least several hundred dollars, if they'll even do the job. (Class C means multiple major parts replaced, which is sure to be the case here.)
You could get a second opinion from one of the authorized Nikon repair shops - check your country's Nikon web site for their identities. These days I don't send any repair work to Nikon unless the authorized repair folks are unable to do the work, but Nikon Canada may be better than the folks I am accustomed to dealing with.
_____ Brian... a bicoastal Nikonian and Team Member
My gallery is online. Comments and critique welcomed any time!
http://www.nikoncamerarepair.com Are the largest ARS in USA dedicated to Nikon. I have used them (most pro's recommend them even rather than Nikon!). Found the service excellent. Talk to them on the phone they will tell you chapter & verse. If you do send them your gear they email a quotation but without obligation. BTW if you have Nikon 'grey area' gear they will repair that too. Good luck!
Understanding that retirement limits income, I'd be careful of filing a claim against a homeowners policy. Insurance companies are not in business to protect you from relatively minor losses. It has been my experience that too often, they pay and then raise your premiums. I carry large deductibles and cover myself against smaller losses. I'll accept the beating a catastrophic loss may bring. Remember, they play this game for a living.
About 20 years ago I filed an insurance claim, my wife had pushed my camera (lens and flash) off a shelf. They replaced everything with the latest and best.
Last year my 2year old grandson watched my flash popup on my DSLR and whacked it. I called my insurance broker and he said "forget it, it will raise your insurance enough to buy a new camera" -- so I dropped that insurance.
As for a few things now, I "self insure". My dog's vet insurance was $80 a month, he had cancer and we were forking out $1,000's a month for a few months. I totalled it? We still lost. For my current dog I transfer $80 a month into a separate account, and I also transfer $25 a month for my photo equipment. I never pay for extended warrantees, I just transfer the amount into my insurance account. You CAN lose in the short term if you start doing this, but once you get established it can pay off.