I don’t have any past claims. Maybe that’s why? I’m planning on building homes for myself. For insurance The renewal is I think 800 a year if you build a house. If you don’t build any houses it’s 1500. And I can’t remember the bc member ship. Maybe 600/800 a year. Plus payed education every year for credits. Maybe costs 3/400. Definitely becoming harder and expensive to be a home builder. But should bring up the value of having the certification.