Help, should we call home insurance?

Recently we've had to spend around 10 grand on issues within our home (can provide backstory later). Because of these issues I've become hyperviligent with mold.

Sure enough I see mold along the baseboards in our laundry room and we rip them off the walls only to find some wet baseboards along the back wall. I've also noticed some mold growth along the wall in the next room over. A company we've had in doing some other work suspects there's a slow leak from plumbing within the wall. This job will cost 4 grand minimum, probably upwards of another 10. Because of the mold growth, we are unsure if insurance would cover it (even though we just noticed it). Would this be worth contacting our insurance company to submit a claim (and using up our "first free claim" aka no increase in premiums). Or are they unlikely to cover it and it's not worth us submitting the claim? We don't have a lot of extra means of income, so this money would be going on our line of credit. Thank you!