Before you call and make a claim figure out what your deductible is and talk to your agent. You might be better off just fixing it yourself. Could see an increase in rates after a claim is filed. If you call the insurance company directly and ask about it most of them will usually open a claim even if nothing is paid out. And that just makes it harder if you ever want to switch and would probably effect your rate. Most companies in the central US are taking large increases(10-25%) to start with. Dont need any reasons for a even bigger rate increase.
