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I do know that most of what has been stated is accurate. The fee increase, as I understand it, applies only to those states that do not have 100% membership.
The NFOA insurance is a part of the overarching NFHS insurance structure, and is subject to the overall claims made against NFHS. I do know that the NFHS suffered some significant losses in the past year or so related to injuries incurred within the structure of NFHS rules. While the tendency is to cast a jaundiced eye at officials, as I understand it the biggest culprit was the 3' depth minimum in swimming pools. As I understand it, a couple of head/neck injuries related to this were huge issues, and the minimum has now been increased to 4'.
I don't have a lot of details on the whole picture, and don't know how much I can shed on the subject yet. I do know, however, that litigation has indeed been an issue with NFHS, and the repercussions are already being felt by both the officials' and coaches' association.
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