*The Angi rating for Nest Installation companies in lake Arbor, MD is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Nest Installation needs.
*The HomeAdvisor rating for Nest Installation companies in lake Arbor, MD is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Nest Installation needs.
Last update on May 03, 2025
We specialize in home repairs and projects, providing you with solutions from basic to long-lasting so that we can ensure that we not only fit the budget but provide safety and comfort for your family. Haas & Sons is a small, family-operated business based in Millersville, Maryland, serving Anne Arundel, Howard, and surrounding counties. Our certified Electricians undergo constant training to provide you with quality work, excellent warranties, and fantastic service. What to expect with Haas & Sons- A company you can trust, Marked Vehicles, Uniformed and trained Techs, Constant communication, and Upfront pricing, all with a friendly smile.
"Very experienced person. The work was done to our satisfaction and was over and above our expectations."
Prasad N on December 2024
We specialize in home repairs and projects, providing you with solutions from basic to long-lasting so that we can ensure that we not only fit the budget but provide safety and comfort for your family. Haas & Sons is a small, family-operated business based in Millersville, Maryland, serving Anne Arundel, Howard, and surrounding counties. Our certified Electricians undergo constant training to provide you with quality work, excellent warranties, and fantastic service. What to expect with Haas & Sons- A company you can trust, Marked Vehicles, Uniformed and trained Techs, Constant communication, and Upfront pricing, all with a friendly smile.
"Very experienced person. The work was done to our satisfaction and was over and above our expectations."
Prasad N on December 2024
ADT home security systems are backed by more than 145 years of experience. As the leader in home security, ADT can help you customize a home security system with easy-to-use equipment and special security features to meet your safety needs. We have service centers nationwide that can install an ADT home security system within 24 hours in most areas. Once your home is equipped with our top-of-the-line system, it is connected to a network of ADT Monitoring Centers nationwide which deliver non-stop security monitoring 365 days a year. All of our installation technicians are internal employees, and not third-party contractors. You can count on your Security Advisor to take the time to set up your system properly, help you understand how the system works, and help make sure your home and family are thoroughly protected.
"Great service by ADT! Integrated with Google. Officially have a smart home!"
Natalie N on April 2025
ADT home security systems are backed by more than 145 years of experience. As the leader in home security, ADT can help you customize a home security system with easy-to-use equipment and special security features to meet your safety needs. We have service centers nationwide that can install an ADT home security system within 24 hours in most areas. Once your home is equipped with our top-of-the-line system, it is connected to a network of ADT Monitoring Centers nationwide which deliver non-stop security monitoring 365 days a year. All of our installation technicians are internal employees, and not third-party contractors. You can count on your Security Advisor to take the time to set up your system properly, help you understand how the system works, and help make sure your home and family are thoroughly protected.
"Great service by ADT! Integrated with Google. Officially have a smart home!"
Natalie N on April 2025
FREE IN-HOME ESTIMATES | GET A FREE AIR CONDITIONER Cyprus Air Heating & Cooling is your single resource for all your home comfort needs, from tailoring your ideal comfort system to installation, service and beyond. Cyprus Air installs and repairs a variety of Heating & Cooling equipment. With over 56 years of experience in the business, we also offer other home improvement and indoor comfort services such as Gas Fireplaces & Gas logs, and Duct Cleaning. With so many years of design, and installations in Northern Virginia, DC and Maryland, Cyprus Air offers its service oriented expertise and reliability to ensure the high quality standards that architects, engineers, and homeowners have come to rely on from one of the industry leaders.
"I begin this review by saying that I do not know the ins and outs of this company’s day-to-day doings, nor do I feel that this has been the operations of this company from its start. I choose to write this as a way of providing others with my story so that they may take caution when dealing with them and so that this company can ameliorate their behavior toward their customers. My journey began in October of 2021 when my husband and I decided to place a gas insert in our traditional open fireplace. I went online and found Cyprus Air. They came to our home and did a quote with us, which we accepted. The goal was to have the fireplace inserted in before Christmas. The first step was a gas line to the fireplace. This was the beginning of the continuous problems that would develop for three years. We had multiple issues with the gas line, multiple technicians sent to our home, and had numerous inspections by Fairfax County fail before they finally sent out their “go-to” guy, who managed to fix the problem, leading to us finally passing the inspection on March 11th of 2022. Let me also note, that I made numerous calls to Cyprus Air during this time frame always with a promise of a return call, that NEVER came. I even walked into their showroom in Springfield to get answers after not being able to get anyone to answer my calls. I spoke with a supposed manager over the phone at some point, who also did not return the calls he made promised to do. I then asked to speak to someone higher, which, as far as I know, I did. That was when their “go-to” guy was finally dispatched. This “higher up” gentleman promised to follow up to ensure all went well. I never heard from him either. During the October to March timeframe, the technicians that were dispatched to our address were unprepared, in terms of supplies. They asked us for paper towels and a ladder at one point. The ladder, which was wooden, they managed to break; I contacted the “manager” who informed me he would look into what he could do to remedy the situation. Nothing was done. Also, during this time, we were being charged for a service contract that we signed up for but had no fireplace to service. When asked, we were told that they would take the charges off the back end. This will come into play later in this story. Also, when they finally did install the fireplace and were removing the boxes from the garage to dispose of, they took a large wall hanging that was still in its box that had just been purchased. This was also mentioned to Cyprus without any resolution. Finally, in May the fireplace was fully installed and ready to go, just in time for summer. We utilized it in the winter of 2022 and in March of 2023, we made our first service call, just to ensure everything was working properly. They came out did a bit of cleaning and left, however, they did not note that there were lightbulbs that were not working. So, we contacted Cyprus Air to let them know this had been missed. They then sent out another technician, who took note of the bulbs and stated that he would place the order, and someone would be in contact to schedule another visit once they came in. We never heard from Cyprus, and we waited for a very long time (mostly because we were tired of making calls). We finally called to check the status of the bulbs (about 6 months later) to be told they had no record of the order and would need to send another technician out to take a look because they didn’t know which type to order. So, the technician came out in November of 2023, took the information, and again stated he would place the order, and someone would contact us. Again, no contact. Also, as another note, the remote for our fireplace magically disappeared after this service call. When I called Cyprus and mentioned that I thought the technician had taken it, but wasn’t 100% sure, they informed me that it would be another service call and $500 to replace the remote. At the beginning of February, I was done dealing with this company, so we called to request the service contract be terminated. Please note, that we signed a one-year service contract and were told it would go month to month after the year and we could cancel at any time. When we called, we were told that they were not sure they could cancel and that there may be additional charges, but that someone would contact us about this. Again, no contact, however, they did set up a service call for us and had someone show up at our home on February 21, 2024. We were unaware of this service call until the day of. No one was at the home upon the technician’s arrival. I contacted Cyprus via the text they sent regarding the service call and stated: “Didn’t schedule service. Asked for a service contract to be terminated.” For which I received the following reply: “ok, sent an email to cancel”. The next day I received the following reply to my cancellation “Good morning, this is Kimberly with Cyprus Air Heating & Cooling contacting you in regards to your request to cancel your maintenance contract. There are 3 more payments due in order to cancel in the of $120. I can charge the card on file for the final 3 payments to complete the 12-month contract and cancel. Please either respond to this text or give us a call at 571-367-9600. Thank you.” I then replied with: “We have had it for well over a year and were told we could cancel anytime after August of 2023. Very confused.” For which the following reply was received: “No ma’am, the contract is 12 months per visit. You had 2 visits with us and made 21 payments, resulting in 3 more payments due. It is a 12-month period per visit. Once you have another visit it renews for another 12 months. This is all stated in the contract you signed.” Needless to say, my reply was friendly back, as I reminded them that we only ever had one service call, but that things were not completed, and to this day had still not been fixed. I also mentioned that I had been trying to get out from “underneath” them and did not trust anything. I insisted that they cancel the contract, and NOT charge me the $120. I may or may not have mentioned getting Lawyers involved at this point also. The reply I received was priceless: “That is fine, the account will go to collections. Thank you! There is a lot of information here, but I feel it is necessary for anyone who is truly looking to deal with this company to have the full story from a “customer”. I wish you luck!"
Victoria G on February 2024
FREE IN-HOME ESTIMATES | GET A FREE AIR CONDITIONER Cyprus Air Heating & Cooling is your single resource for all your home comfort needs, from tailoring your ideal comfort system to installation, service and beyond. Cyprus Air installs and repairs a variety of Heating & Cooling equipment. With over 56 years of experience in the business, we also offer other home improvement and indoor comfort services such as Gas Fireplaces & Gas logs, and Duct Cleaning. With so many years of design, and installations in Northern Virginia, DC and Maryland, Cyprus Air offers its service oriented expertise and reliability to ensure the high quality standards that architects, engineers, and homeowners have come to rely on from one of the industry leaders.
"I begin this review by saying that I do not know the ins and outs of this company’s day-to-day doings, nor do I feel that this has been the operations of this company from its start. I choose to write this as a way of providing others with my story so that they may take caution when dealing with them and so that this company can ameliorate their behavior toward their customers. My journey began in October of 2021 when my husband and I decided to place a gas insert in our traditional open fireplace. I went online and found Cyprus Air. They came to our home and did a quote with us, which we accepted. The goal was to have the fireplace inserted in before Christmas. The first step was a gas line to the fireplace. This was the beginning of the continuous problems that would develop for three years. We had multiple issues with the gas line, multiple technicians sent to our home, and had numerous inspections by Fairfax County fail before they finally sent out their “go-to” guy, who managed to fix the problem, leading to us finally passing the inspection on March 11th of 2022. Let me also note, that I made numerous calls to Cyprus Air during this time frame always with a promise of a return call, that NEVER came. I even walked into their showroom in Springfield to get answers after not being able to get anyone to answer my calls. I spoke with a supposed manager over the phone at some point, who also did not return the calls he made promised to do. I then asked to speak to someone higher, which, as far as I know, I did. That was when their “go-to” guy was finally dispatched. This “higher up” gentleman promised to follow up to ensure all went well. I never heard from him either. During the October to March timeframe, the technicians that were dispatched to our address were unprepared, in terms of supplies. They asked us for paper towels and a ladder at one point. The ladder, which was wooden, they managed to break; I contacted the “manager” who informed me he would look into what he could do to remedy the situation. Nothing was done. Also, during this time, we were being charged for a service contract that we signed up for but had no fireplace to service. When asked, we were told that they would take the charges off the back end. This will come into play later in this story. Also, when they finally did install the fireplace and were removing the boxes from the garage to dispose of, they took a large wall hanging that was still in its box that had just been purchased. This was also mentioned to Cyprus without any resolution. Finally, in May the fireplace was fully installed and ready to go, just in time for summer. We utilized it in the winter of 2022 and in March of 2023, we made our first service call, just to ensure everything was working properly. They came out did a bit of cleaning and left, however, they did not note that there were lightbulbs that were not working. So, we contacted Cyprus Air to let them know this had been missed. They then sent out another technician, who took note of the bulbs and stated that he would place the order, and someone would be in contact to schedule another visit once they came in. We never heard from Cyprus, and we waited for a very long time (mostly because we were tired of making calls). We finally called to check the status of the bulbs (about 6 months later) to be told they had no record of the order and would need to send another technician out to take a look because they didn’t know which type to order. So, the technician came out in November of 2023, took the information, and again stated he would place the order, and someone would contact us. Again, no contact. Also, as another note, the remote for our fireplace magically disappeared after this service call. When I called Cyprus and mentioned that I thought the technician had taken it, but wasn’t 100% sure, they informed me that it would be another service call and $500 to replace the remote. At the beginning of February, I was done dealing with this company, so we called to request the service contract be terminated. Please note, that we signed a one-year service contract and were told it would go month to month after the year and we could cancel at any time. When we called, we were told that they were not sure they could cancel and that there may be additional charges, but that someone would contact us about this. Again, no contact, however, they did set up a service call for us and had someone show up at our home on February 21, 2024. We were unaware of this service call until the day of. No one was at the home upon the technician’s arrival. I contacted Cyprus via the text they sent regarding the service call and stated: “Didn’t schedule service. Asked for a service contract to be terminated.” For which I received the following reply: “ok, sent an email to cancel”. The next day I received the following reply to my cancellation “Good morning, this is Kimberly with Cyprus Air Heating & Cooling contacting you in regards to your request to cancel your maintenance contract. There are 3 more payments due in order to cancel in the of $120. I can charge the card on file for the final 3 payments to complete the 12-month contract and cancel. Please either respond to this text or give us a call at 571-367-9600. Thank you.” I then replied with: “We have had it for well over a year and were told we could cancel anytime after August of 2023. Very confused.” For which the following reply was received: “No ma’am, the contract is 12 months per visit. You had 2 visits with us and made 21 payments, resulting in 3 more payments due. It is a 12-month period per visit. Once you have another visit it renews for another 12 months. This is all stated in the contract you signed.” Needless to say, my reply was friendly back, as I reminded them that we only ever had one service call, but that things were not completed, and to this day had still not been fixed. I also mentioned that I had been trying to get out from “underneath” them and did not trust anything. I insisted that they cancel the contract, and NOT charge me the $120. I may or may not have mentioned getting Lawyers involved at this point also. The reply I received was priceless: “That is fine, the account will go to collections. Thank you! There is a lot of information here, but I feel it is necessary for anyone who is truly looking to deal with this company to have the full story from a “customer”. I wish you luck!"
Victoria G on February 2024
Sunrays Electrical & Customs LLC is your trusted partner for all your electrical needs in Washington D.C. Our team of experts is dedicated to providing top-notch service and ensuring your satisfaction. With our extensive experience in the industry, we stand out from the competition by delivering exceptional workmanship and attention to detail. Contact us today for all your electrical projects and let us brighten up your home!
"Fine, good knowledge and very helpful"
Tia H on November 2023
Sunrays Electrical & Customs LLC is your trusted partner for all your electrical needs in Washington D.C. Our team of experts is dedicated to providing top-notch service and ensuring your satisfaction. With our extensive experience in the industry, we stand out from the competition by delivering exceptional workmanship and attention to detail. Contact us today for all your electrical projects and let us brighten up your home!
"Fine, good knowledge and very helpful"
Tia H on November 2023
At Richie Electric, we stand out by offering exceptional electrical services at an affordable price. Unlike larger companies with high overhead costs, we provide top-tier electrical work without the added expense, making us a cost-effective choice for homeowners and businesses alike. Whether you need an electrical panel upgrade, EV charger installation, recessed lighting, or electrical troubleshooting, our expert team handles each job with precision, care, and dedication. What Makes Us Different: Specialized Expertise: With years of experience in residential and commercial electrical services, we bring in-depth knowledge and skills to every project. From complex panel upgrades to simple outlet installations, we’ve got you covered. Guaranteed Quality: We guarantee our work with industry-leading warranties, ensuring that your electrical systems are not only safe but long-lasting. You can rely on us for high-quality installations and repairs that meet and exceed local safety codes. Affordable Pricing: As a smaller business, we keep our overhead low, allowing us to offer competitive prices without compromising on quality. You won’t pay inflated prices like you would with larger companies. Customer-Centered Approach: As a locally owned business, we focus on building strong relationships with our clients. We take the time to listen to your needs, offering customized solutions that are both affordable and reliable. Your satisfaction is our top priority. Efficient and Professional: Our team works quickly and efficiently, minimizing disruptions to your home or business while maintaining the highest standards of craftsmanship and care. At Richie Electric, we’re committed to delivering outstanding results with every job. When you choose us, you’re choosing a team that goes above and beyond to ensure your electrical needs are met with the highest level of expertise, professionalism, and affordability.
"It went well."
Ayodele O on April 2025
At Richie Electric, we stand out by offering exceptional electrical services at an affordable price. Unlike larger companies with high overhead costs, we provide top-tier electrical work without the added expense, making us a cost-effective choice for homeowners and businesses alike. Whether you need an electrical panel upgrade, EV charger installation, recessed lighting, or electrical troubleshooting, our expert team handles each job with precision, care, and dedication. What Makes Us Different: Specialized Expertise: With years of experience in residential and commercial electrical services, we bring in-depth knowledge and skills to every project. From complex panel upgrades to simple outlet installations, we’ve got you covered. Guaranteed Quality: We guarantee our work with industry-leading warranties, ensuring that your electrical systems are not only safe but long-lasting. You can rely on us for high-quality installations and repairs that meet and exceed local safety codes. Affordable Pricing: As a smaller business, we keep our overhead low, allowing us to offer competitive prices without compromising on quality. You won’t pay inflated prices like you would with larger companies. Customer-Centered Approach: As a locally owned business, we focus on building strong relationships with our clients. We take the time to listen to your needs, offering customized solutions that are both affordable and reliable. Your satisfaction is our top priority. Efficient and Professional: Our team works quickly and efficiently, minimizing disruptions to your home or business while maintaining the highest standards of craftsmanship and care. At Richie Electric, we’re committed to delivering outstanding results with every job. When you choose us, you’re choosing a team that goes above and beyond to ensure your electrical needs are met with the highest level of expertise, professionalism, and affordability.
"It went well."
Ayodele O on April 2025
M D Whitley Enterprise LLC. is locally owned and operated providing all types of general electrical services. We are a true One-Stop Electrical service. I've been in the industry since 1991 and have continued to grow and learn as my craft develops. We are reliable, easy to work with and dedicated to our customers. Give us a call or click for an estimate today!
"Very easy to work with, quick installation, Would recommend!"
Joe H on March 2025
M D Whitley Enterprise LLC. is locally owned and operated providing all types of general electrical services. We are a true One-Stop Electrical service. I've been in the industry since 1991 and have continued to grow and learn as my craft develops. We are reliable, easy to work with and dedicated to our customers. Give us a call or click for an estimate today!
"Very easy to work with, quick installation, Would recommend!"
Joe H on March 2025
We are proud to have won more than 50 Angie's List Super Service Awards! We do everything on the honey-do list that honey doesn't do! Individually owned & operated franchise of the largest Handyman companies in the country. We are licensed, bonded and insured. All of our technicians have a minimum of 10 years experience and are full-time employees of the company. All work guaranteed for at least one year (any exceptions are discussed and noted on the invoice). And it's not just the small jobs! We have years of experience doing larger projects, especially bathroom remodeling! MHIC # 102097
"James McCarron came to evaluate the restructure of our outdoor stairs to allow us to access the water spigot on the side of our house but inaccessible because of the stairs. While he gave us the estimate for the approach for the stairs, he recognized that the best solution was not a carpentry solution but a plumbing solution which we supported. He could have pushed the carpentry option, but he gave us a solution that would save us money, time, and resolved our spigot access situation at the same time. His honesty went a long way to the credibility of the company."
Myron A on May 2024
We are proud to have won more than 50 Angie's List Super Service Awards! We do everything on the honey-do list that honey doesn't do! Individually owned & operated franchise of the largest Handyman companies in the country. We are licensed, bonded and insured. All of our technicians have a minimum of 10 years experience and are full-time employees of the company. All work guaranteed for at least one year (any exceptions are discussed and noted on the invoice). And it's not just the small jobs! We have years of experience doing larger projects, especially bathroom remodeling! MHIC # 102097
"James McCarron came to evaluate the restructure of our outdoor stairs to allow us to access the water spigot on the side of our house but inaccessible because of the stairs. While he gave us the estimate for the approach for the stairs, he recognized that the best solution was not a carpentry solution but a plumbing solution which we supported. He could have pushed the carpentry option, but he gave us a solution that would save us money, time, and resolved our spigot access situation at the same time. His honesty went a long way to the credibility of the company."
Myron A on May 2024
We pride ourselves on getting your project done right the first time! Chesapeake Electric is a locally-owned and operated company in Annapolis, MD established by Master Electrician, Ryan Deshaies. With over 50 years of combined experience, our dedicated team focuses on providing superior customer service, craftsmanship, and professionalism beyond expectations. We are a full service licensed and insured electrical contractor and here to serve you 24/7 with expertise in residential and commercial electrical work. Whether you require an emergency electrician or have an in-depth electrical project, we work directly with you through design, implementation, and follow up services. Your peace of mind is very important to us. You will always know exactly what work is being done and why. Projects that are big and small, we take them all! We want to make your project dream a reality. Call Chesapeake Electric Electric today at 410-280-3388.
"Did not receive a call"
Ian S on August 2020
We pride ourselves on getting your project done right the first time! Chesapeake Electric is a locally-owned and operated company in Annapolis, MD established by Master Electrician, Ryan Deshaies. With over 50 years of combined experience, our dedicated team focuses on providing superior customer service, craftsmanship, and professionalism beyond expectations. We are a full service licensed and insured electrical contractor and here to serve you 24/7 with expertise in residential and commercial electrical work. Whether you require an emergency electrician or have an in-depth electrical project, we work directly with you through design, implementation, and follow up services. Your peace of mind is very important to us. You will always know exactly what work is being done and why. Projects that are big and small, we take them all! We want to make your project dream a reality. Call Chesapeake Electric Electric today at 410-280-3388.
"Did not receive a call"
Ian S on August 2020
We are a local boutique security company in Gaithersburg, MD. We offer solutions from residential smart homes to full commercial operations. Personal service, expert design and installation, and cutting edge technology are our strengths.
"They are very responsive, timely and fixed my problems. They work with us on an annual basis."
JANE P on March 2023
We are a local boutique security company in Gaithersburg, MD. We offer solutions from residential smart homes to full commercial operations. Personal service, expert design and installation, and cutting edge technology are our strengths.
"They are very responsive, timely and fixed my problems. They work with us on an annual basis."
JANE P on March 2023
We at Wilcox Electric are here to serve you. Our team will insure that you receive complete electrical services in a timely, professional manner. Since our founding in 1989, our successful stream of work has been driven largely by customer recommendations. Our company has evolved from a home-based business to an electrical contracting business with 22 employees. As a reflection of the times, we are installing increasing numbers of EV car charging stations in both single family houses and multi unit dwellings.
"Wilcox Electric did a great job for us installing an outdoor GFCI outlet and running a protected cord back to our electrical panel. Chris Doyle arranged for the service and inspection, and David Settimi did the actual installation. David had good ideas about how to place the outlet and wiring. I recommend them highly for electrical services. Outstanding service."
DJames B on December 2024
We at Wilcox Electric are here to serve you. Our team will insure that you receive complete electrical services in a timely, professional manner. Since our founding in 1989, our successful stream of work has been driven largely by customer recommendations. Our company has evolved from a home-based business to an electrical contracting business with 22 employees. As a reflection of the times, we are installing increasing numbers of EV car charging stations in both single family houses and multi unit dwellings.
"Wilcox Electric did a great job for us installing an outdoor GFCI outlet and running a protected cord back to our electrical panel. Chris Doyle arranged for the service and inspection, and David Settimi did the actual installation. David had good ideas about how to place the outlet and wiring. I recommend them highly for electrical services. Outstanding service."
DJames B on December 2024
The average cost of a home security system is about $700, ranging from $280 to $1,150. Costs to consider include equipment, surveillance fees, and other additional features. Cost factors that determine your system’s price include the type of security system, materials, labor, activation fees, monthly fees, and permits. Additional features and upgrades may include:
Video surveillance monitoring: $40–$65 per month
Smart home locks: $150
Smart home lighting: $15–$90
Smart smoke, fire, and carbon monoxide alarms: $35–$100
Smart thermostat: $130–$500
Yes, you should get a quote or an estimate from an electrician. Most electricians offer free estimates or quotes. When getting quotes, do your research and verify each electrician’s license. Get quotes from three different electricians to compare. If the prices or items listed appear different on the quotes, ask the electrician to clarify. Learning as much as you can about the electrical work you want done will help you get the most accurate estimate.
Yes, a home security system can be worth it for your peace of mind alone, but it can also save you up to 20% on your home insurance. The insurance savings will help defray the initial setup costs and subscription costs over time. Locations with higher crime rates also make home security systems a valuable investment, but it ultimately depends on your personal preferences and asset values.
Yes, most states require HVAC technicians to be certified, and for good reason. Hiring an unlicensed HVAC technician could lead to poor quality work, costly future expenses, and potential code violations.
As you browse our pro listings, take note of the “Angi Approved” badge. Angi Approved businesses meet our standards for certification which include:
The owner, principal, or relevant manager passed a criminal background check
Required to have applicable state and local licenses
Maintain an average star rating of 3.0 or better on our network, if they have at least one review
Paying to advertise their services
Meeting any other eligibility criteria required by Angi
Keep in mind licensing is different from certifications. A license is a legal requirement to operate a business, while certifications are voluntary.
Qualified, licensed electricians will charge from $50 to $100 per hour. The cost to hire an electrician for emergency visits may range from $100 to $200 per hour because this urgent service usually takes place during off hours and may require an electrician to leave or reschedule jobs they’re currently working on. Scheduling work on holidays or during periods of high customer demand, like after a major storm, will also lead to higher rates or extra fees.