Share your insights or perspective on the financial matter presented in the input.

At what point does it become worth it to file an insurance claim?
We learned the hard way on this one.  First, our area was hit with what was called an "inland hurricane" where we forced to file a claim as our home received extensive damage.   Within the same year, we also incurred an electrical surge which took out our older big screen tv (one of those big monstrosities that sits on the floor).  We were granted full replacement with a more modern flat screen TV, TV stand, and DVD player.  It seemed like a no brainer. We quickly found it as our premium went up that it wasn't that sweet.  It wasn't a huge increase, but it definitely has us truly evaluate if it's really necessary filing a claim.