Of Ice and Men (Original, I Know)

We have apparently survived the Ice Storm of the Century here in Central Oklahoma. Our damage was limited to a couple of stained spots on the ceiling where the ice made the roof leak. Our roofer says the roof is in good shape, he had to re-set a couple of nails, but other than that, no problems. (We asked for an estimate of any needed repairs, just to make sure he was not just trying to get them out of warranty liability. Our insurance covers ice damming, which is what caused the leaks. )
We may not make an insurance claim. The leaks appear to be gone, and we were going to repaint the ceilings and walls in the living room and our bedroom eventually anyway. (Stains are not even noticible unless you know exactly where to look.) (But we'll see what happens next time it rains. )
I am of two minds about the insurance thing. I don't want festering damage to surprise us later, but I also don't want the insurance company to have us claim what is really minor damage and then raise the heck out of our rates. We mainly have insurance in case the house blows away in a tornado or burns down. We figure we can fix minor stuff on our own dime. (Have in the past.)
We got off pretty lucky, actually. Most people were without power at least part of the time. We were not. One of our trees broke apart, but it didn't do any serious damage to anything but itself. Matt was able to haul most of that stuff out of the yard by himself.
I just wish I could lose this feeling of waiting for the other shoe to drop.