File an insurance claim, or not?

[Roger S.]

I have a house I just evicted a renter from.  Found out that the floor in the house is buckling.  I crawled under the house and found standing water.   I turned all the faucets off and the meter still spins very slowly.

Looks like I'm going to be tearing up the floors and sublorrs in the kitchen and living room, and  replacing some plumbing.  This nothing I can't do myself, but isnt this why we pay for insurance?

I have 11 houses, all insured with the same company  I've had 3 claims in the past 2 years.  Am I running any risk of being dropped or my rate raised dramatically by filing a claim on this?

[Roger S.]

Yeah, I've already had one water damage claim this year, from a washing machine that overflowed and ruined a whole houseful of brand new laminate.   Damned if you and damned if you don't.   Crap.