Inserting rows - does it break cell references?

Excel is specifically designed so inserting rows does not break cell references.

For example, if i have a formula

=$A$13

and I insert a new row at row 10, the formula will automatically change to

=$A$14

so it points to the same data that it did before, even though this is an absolute reference. (In fact, sometimes people do things where this normally-desired behavior is a problem, like when you always want to point to row 13 no matter how many rows get inserted above it.)

Now that is a general answer, and I cannot answer that question about your specific file without being able to see A) your layout, and B) your formulas.