Don't worry, insurers are well aware of the event (and the NW A320). It won't just vanish. However, these events highlight a difficult area when it comes to applying the Annex 13 definition of an accident. I'd argue that both of these sound like they do meet the definition of an accident and therefore should be investigated etc but...
Apart from tail scrapes and hard landings, which I guess depend on how bad they are, two other gray areas spring to mind - lightning strikes on helicopters where the heli lands safely but where components may need to be overhauled/replaced (expensive) and 'over limit' landings, perhaps not technically a 'hard' landing but a few days later when the QAR is looked at, oh dear, the undercarriage is scrap!