"I wonder if some people worry that reporting all incidents may result in increased premiums or excess. Some people may have had experiences with motor vehicle insurance, where too many claims result in an increase in premiums or excess or both, or a refusal by an insurer to continue the policy. They may be concerned that a similar situation will arise if the parish records a large number of incidents."
Incident reporting has no effect on premiums or insurance excess. Incident reporting is all about protecting the next people to make sure the incident will not happen again.
The more incidents we report, and the more issues we fix, then the better we are for doing the right thing.