toilet runs for 6 hours, floods garage

[John K.]

I just had a toilet run for about 6 hours (tenant was gone) that happened to clog, came home to water dripping in the garage which is directly under the bathroom.  We started drying out the area right away.  

I'm not sure the damage is more than the $1000 deductible on insurance policy would be, so I'm hesitant to call since from what I've read even talking about a claim can raise your insurance rates at renewal.  

Do folks typically just fix small things like this and save insurance for the bigger ticket items - or just file claims on any damage repairs?  Any insight would be helpful!  Thanks.