roof leakage - is it worthwhile filing a claim ?

[Dave Yang]

We received some heavy rainfall this past winter, and now I have leakage around my chimney.  I anticipate that it could cost $5000 to fix and I'm questioning whether to take the insurance claim (deductible is $2500).  I expect my insurance company to just turn around and raise my premiums,

to recoup this loss - even though I have never filed a claim in the 16 years I've owned this house.  So my question is :

Is it worth filing a claim ?   Thanks !  Dave