doubt you would get anything for a massive overspeed. an accident is a different story. re blades over here say they have only 1/4 of their life left, they may be worth only$20,000, you will normally have an excess which may be say 5% of hull value, which in your case may only be $9,000, at 3/4 life, so subtract 9 from 20 for your payout and it will only cost you the balance of new blade cost to be flying again as second hand blades are scarce as hens teeth and you wouldn't know where they have been. then of course your clottishness of running into a blade obstruction may be rewarded with increased premium cost, so that all needs to be weighed when assessing - will i or won't i claim.
insurance though is a good thing as a power on blade strike will result in a lot more mandatory and costly inspections and in a R44 may well result in a buckled firewall, which will be a write off. so make sure you have an agreed value write off.