premium tender_square she never sold insurance but she knew enough about the industry, peripherally, to let me in on an unknown. seems as soon as you utter the words "claim," whether or not you actually take one out on your policy, your rates will increase. the damage to the upper unit has been pegged at $13,000, a price that gave me sticker shock and heart palpitations. even if i diy some of the line items, i can't quite know how what i do approve will trickle toward an up-ticking premium. 230928 what's it to you? who go blather from