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Should you report the damage to your insurance company? That all depends on the severity of the loss. Naturally, your insurance costs may increase for a period of time, but the amount of your settlement may easily outweigh the insurance costs. In addition to the monetary settlement you may be entitled to, insurance companies may also pay for the costly expense of environmental testing and pollutant cleanup. 

If we're talking about liability (injuries and other lawsuits) you almost always want to report the situation to your insurance company. Before you take the responsibility for someone's injuries. You may think it's only going to be a small urgent care bill, but you may soon receive a bill for loss of income, a return visit, and suddenly you're knee deep in letters from their attorney. 

Settling a loss is difficult. You literally have to become an expert, overnight. Suppose you discover some water trickling out from your refrigerator. You pull it aside and discover that the wood floors are buckled, and the drywall is saturated. Now what do you do? Step 1 is to turn off the water source, and ensure safety from electricity. Next, you'll need to contact and decide on a remediation company to dry things out. After that, you'll report the claim to your insurance company, and meet with the insurance adjuster. Keep in mind, the insurance adjuster knows exactly what you're covered for, and what you're not. However, they may not volunteer coverage, you have to ask for it. Are you prepared to read a 45 page contract, and comprehend it?

Additional living expenses, remediation, demolition costs, materials, labor, recoverable depreciation, plans and permits. The list of claims within a claim goes on and on. You don't want to go at this alone.