How can I phrase it to incorporate possible rate increase?

You can always have your attorney incorporate a 5-10 day attorney review which may have saved you in this situation because asbestos is considered a hazardous material to humans.  

@Anthony Holloway Hey Anthony just adding my two cents here as far as Atlanta goes I recommend College Park, East Point, Hapeville, South Fulton(newly incorporated city may not show up on most searches) and parts of Riverdale

Why isn’t this something incorporated into public schools?

Just budget for it.There is so much free information available, all it takes is your free time to scoop it up and incorporate it into your life plan.Also don't get entangled with someone who doesn't share your vision, or who doesn't give your vision credit when you explain it.

In the next five years I will adjust my strategy to incorporate appreciating houses, but I need to see the housing market even out.I want to thank anyone that takes their time to respond.

@Pat L.Internally in corporate America I am “seeing” vs hearing vs reading how people want to come to the office vs work remotely.

IMO, the newest incorporated city outside a major city.

Can't wait to incorporate some of those strategies into my business.I am currently reading "Born to Run" by Christopher McDougall. 

This would be included in the articles of incorporation.