What is the process of filing a home insurance claim? How does it affect your rates for home insurance?

I have been going through the same company for my home insurance for 3 years now. I have never had to file a claim before. I live in michigan and we have been getting alot of rain lately. Yesterday i noticed in my bathroom that the ceiling was wet in the corner and had water coming down the wall. I have only been in this house now for 4-5 months. Yes i did have my home inspected. Nothing was written down about the roof needing any repairs it actually just a couple of years ago had a 3 dimensional roof put on. So i was wondering now, what would the process be for filing a home insurance claim? Do i just call them and then they send out a contractor or someone to take a look at the damage and then do they have their own companies they use to fix the problems? Also how will this affect what my yearly rate is? Is my rate going to jump next year due to having to file my first claim? If so how much does it usually increase? Thanks

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