You have 5 minutes to hide a paperclip in your home. A detective has 24 hours to find it, If they don't, you get $100,000. Where are you going to hide the paperclip?
I’m just giving it to the detective and losing the money. The detective would do more than $100k damage to my house looking. Checking behind the drywall, under the carpet, tearing open my mattresses, opening my appliances, etc.
Cheaper to save the repair bill.
Now if they pay to fix everything, I use a hammer to open holes in every wall as a misdirection and hide it in the flooring or framing.
If they were paying, I assume they’d pay to restore the house to the state it was in before the detective started. Whatever damage you caused would probably not be fixed.