File an Insurance claim or Not?

[Jeffrey J.]

Sunday evening I get a phone call from my tenant stating that there is a strong smell coming from the basement. I had over to the home and come to find out that the sewage pipe in the basement exploded due to clogging. My plumber came and repaired it immediately however there was still massive amounts of sewage in the basement. I then contacted a sewage cleanup company and they charged me $4,000 to clear everything out and disinfect the basement. The sewage company says that I should file an insurance claim instead of paying it out of pocket, however I'm afraid that if I do my insurance will rise drastically. I've owned the home four years and have never had a claim but I've only been with this insurance company for only two years. McLaren's Young International. To file a claim or not...that is the question.