We got hit by lightning and blew out a bunch of things. Since Directtv covered the cost of those replacements (yes, this is a plug - they deserve it), our total cost for replacing everything will be about $500 over our $1,000 deductible. We're trying to determine if we're better off eating the cost.

Our insurance office says we will have a claims surcharge of one point for three years. How do we figure out what that will be in real dollars?