BostonOne, any claim on your HO policy, regardless of the nature of the claim or the amount, will be reported to CLUE. This doesn’t necessarily mean that it will impact your premiums with either your current carrier or future ones, but does mean that other carriers will know about it.
Unfortunately, none of us here can tell you whether such a claim will affect your premiums and, if so, by how much. This depends not just on the carrier but also on a million variables. If you had an independent agent, you could have him/her add a hypothetical claim to a quote and see what it comes back with, but this isn’t an option with USAA. Keep in mind though that even if this claim does not impact your premiums, it’ll definitely make it more difficult for you to file other claims for the next 3-5 years, so it’s something to consider.
You may also want to consider your current premiums. If you have a condo, and only pay something like $100/year in premiums, the decision to file a claim would be much easier than if you have a house and pay several thousand dollars a year in premiums, as the surcharge, if any, is going to amount to a percentage of your current premiums.