What home insurance company do you have? That makes a differance because they all cover things differantly. You can file a claim on your insurance and they will send someone out to look at the house. But some companies penalize you for filing,, you might lose a claim free discount, etc. Whether something is covered or not, usually depends on the cause. If it's earth shift, wear and tear, or maintenance issue - probably not. Insurance isn't meant to maintain your home. If it's construction defect they would usually cover but go after the contractor - in this case - you don't want that! If there is a broken pipe, they will usually fix the damage but not pay for the pipe repair - again - they only fix damage due to a covered peril. You need to find out what the peril was.
1) find out what the root cause of the leaking is.
2) find an agent to talk to. If you call a 1-800 number , that is an automatic claim filed. They don't give advice, they just take the info and turn it in - that's filing a claim. You need an agent to advise you.
3) Then ask your agent if that cause is covered and what your deductible will be, along with, what are the ramifications to your policy - (loss of discounts, etc) If deductible is $2000 and the repair is $2500, may not be worth it if you lose a $200 discount for the next 3 years.
Can you tell I do this for a living? :) Message me if you need anything at all.