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Depending on whether the shop takes any responsibility maybe you should discuss the possibilities with them. I’ve never had to make a claim like this on my garage keepers liability but I think it would cover it. This may be far cheaper for them then it would be for you. Split it with them. Offer to cover the deductible and then some. Unless they are the A to Z shop and they built it originally then I would would be more inclined that they cover it completely assuming it was builder negligence. If it turns out to be from abusive wear and tear then maybe lick your wounds. If their insurance covers it and the insurance has sufficient evidence to blame another shop for negligence they may pursue the other shop for re-imbursement. It’s nice to let the insurance companies spend money on legal fees versus you
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