insurance surcharge

How to set a surcharge on insurance claims from home?
We got hit by lightning and blew out a lot. From Directtv covered the cost of the replacement cost. Our insurance office says complaints have a surcharge of one point for three years. How do we know what current value of your home. For just $ 500 above its deductible frankly be surprised if it was profitable to make a claim. Oh, and congratulations on achieving information about their rates would rise. Most insureres I will not describe the formula used to calculate the increases.
Auto Insurance Surcharge