you've been having contractors come since you suspected a problem. You have done what you were supposed to do.
You won't have to choose to file. I don't think it's like car insurance either where your rates go up if you were to blame in an accident. This is what insurance is for. I wouldn't stress. Yo pay for insurance. Might as well see if they can help. This might be "flood" damage and not be covered if you don't have that provision.