To claim or not to claim?

[Casey Culver]

Hello Everyone!

I have a leak in a hot water line in one of my rentals in Alabama. I've been told it'll cost $1850 to fix, and will require busting up 1-2 tiles, cutting some drywall, drilling hole in concrete, fixing leak, filling hole in concrete, putting down new tile, repairing drywall, done. 

I only got insurance 1.5 months ago, this issue was NOT happening then. My deductible is $1000. Should I file this claim? My heart says "yes because you pay insurance, so you should use it", but my brain says "no because you want to own this home for a pretty long time and you don't want your rates to go sky high". 

What do y'all recommend?