u/Avocadosasone

I’m hoping someone with experience with homeowners insurance claims can give me some advice. I’ve never filed a claim before and I’m trying to figure out whether this is something insurance would typically cover before I notify them.

We left for vacation for about two weeks. When we got home, we noticed that when we walked across the LVP flooring in our kitchen, water was coming up through the seams. We then discovered water dripping through a recessed/can light in the bedroom directly below the kitchen.

I started opening things up to figure out where the water was coming from. I removed some of the bedroom ceiling drywall and found water coming through the subfloor in multiple locations and seeping into the I-joists. There was also mold on the drywall and insulation.
To trace the leak further, I had to cut out the back of one of the kitchen cabinets and then cut through the drywall behind it. Behind the cabinet, I found approximately 1.5 inches of standing water. The source appears to be a dripping shower valve/connection on a CPVC cold-water line.

There is mold on the drywall and cabinet, and the cabinet has absorbed enough water that it has swollen.
Unfortunately, I still can’t physically reach the leaking connection through the opening I made. From what I can tell, accessing and repairing it is probably going to require going through the tiled shower wall on the other side.
At this point, the damage potentially includes:

LVP kitchen flooring and subfloor
Kitchen cabinet
Drywall and insulation
I-joists that have gotten wet
Bedroom ceiling below the kitchen
Mold/water remediation
Potentially the tiled shower wall that has to be opened to access the plumbing
I’ve already removed a significant amount of wet drywall/insulation and have blower fans running to dry everything out and prevent further damage.

My main question: Would homeowners insurance typically cover something like this?

I had absolutely no idea there was a leak until we returned from vacation and discovered the damage. I’ve read conflicting information saying that if mold is present, the insurance company may determine that it was a long-term/slow leak and deny the claim rather than treating it like sudden water damage.

I’m also wondering how insurance handles the damage I’ve already opened up myself. I’m not a contractor, but I needed to find the source of the water and start drying everything out. If the claim is covered, would they typically pay to replace the drywall, insulation and cabinet sections I had to remove while locating the leak?
Would they potentially cover replacing the buckled LVP flooring if water has gotten underneath it and made the subfloor swell? What about the kitchen cabinetry if matching cabinets aren’t available anymore?
And if the only reasonable way to access the leaking plumbing connection is by removing part of the tiled shower wall, would insurance normally cover the cost of tearing out and restoring the shower/tile needed to access the pipe, even if they don’t cover the actual plumbing repair itself?

My biggest hesitation is calling the insurance company and notifying them about the leak if they’re just going to deny the claim. I don’t want a reported claim/loss on my history for something they won’t cover.
For anyone who has dealt with a similar claim, especially adjusters or restoration contractors: Would you file a claim in this situation, and what should I document before contacting the insurance company?
Any advice on what I should or shouldn’t do before an adjuster sees it would also be appreciated.