You are smart to wonder if you should file an insurance claim. Insurance premiums go up rapidly if you file claims. It makes sense. People who want their insurance to cover smaller problems will pay more.
The CNN article linked below states that sometimes your agent will have to report that you've inquired about a claim. Water damage is noted as a particular concern.
The most important thing is that you take care of the problem. If you have a crack in your foundation or plumbing, this should be taken care of immediately. If the cost of the repair will substantially exceed your deductible (any number that makes you say "whoa"!) then make the claim. Just know that you are likely to pay some of that money back in premiums.
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