The State Insurance Department and Ohio Insurance Institute predict Ohio homeowners will face another jump in insurance premiums this year. Premiums rose 17-and-a-half percent last year and are expected to increase another nine-and-a-half percent in 2003. Insurance company say higher claims and rising costs are forcing them to raise premiums. Ohio Insurance Institute spokeswoman Mary Bonelli says wind, hail damage and other disasters are the top reasons Ohio homeowners file insurance claims. Insurance department spokesman Todd Boyer says state officials can’t really block rate increases as long as insurers can prove the increased premiums are justified by past and future claim payments.