Also, re: my #13, one of the main contributors to skyrocketing insurance rates in the COVID and post-COVID era are supply chain issues. Building materials and vehicle repair parts have all seen significant price hikes which of course will contribute to the costs of fixing a vehicle or a residence after a covered loss. Some of contributors to supply chain issues are also within the control of government, but they have also failed in that regard as well.
Before Covid—a 4 X 8 sheet of plywood—$6.
Looked at LOWE’s a month ago-—LOWEST price I saw was $22 a sheet & it was chip board on one side.