be sure the repair is more than your deditcuble else you will get a  mark  on your record but still have to pay out of pocket.  Depending on the damage your rate will probably go up too.  We learned the hard way a few years back when we called asking about plumbing coverage.  We didn't end up filing a claim because it was less than our deditcuble but when it came time to renew our policy they increased our rate by 50%.   Insurance is a scam  but you have to have it for the mortgage.