u/Future-Ratio3991

I have GEICO homeowners insurance on my home which I’ve owned for one month. We have some water damage resulting in a need to replace tile around a toilet. I could do the tile myself or find a cheap contractor to do it. My deductible is $1500 and I’m already $2500 in for the drying.

Should I file the claim? Hoping to avoid having my premium jump drastically.