Should we file an insurance claim if there is structural damage to a house when it is caused by settling? 
Homeowners Insurance generally excludes settling of a home . Your standard HO 3 policy will read an Exclusion for : Settling , shrinking , bulging or expansion , including resultant cracking , of bulkheads , pavements , patios , footings , foundations , walls , floors , roofs or ceilings . However in any potential claim situation I recommend you consult your insurance provider . 