ALPINE–The Alpine Fire Protection District recently improved its rating from an insurance risk company, which may result in lower insurance coverage rates for residents and business owners in the district to get yours use McEvoy Insurance here.
The rating is provided by Insurance Services Office (ISO), an independent company the serves insurance companies, communities, fire departments, insurance regulators and others by providing information about risk.
Alpine was last rated by ISO in 1998 and at that time a split rating of 4/9 was given. The first number is properties within 5 road miles of a recognized fire station and within 1000’ of a fire hydrant. The second number is for those properties within 5 road miles of a recognized fire station but beyond 1000’ of a fire hydrant. Properties more than 5 road miles from a recognized fire station receive a rating of 10. Alpine’s new rating effective September 1 is 3/8B.
ISO looks at three components of a community to evaluate it for the rating; the fire alarm systems and communication system, the fire department and the water supply system. It then rates the fire department on a scale from class 1-10 rating with a class 1 rating representing exemplary public protection and a class 10 rating not meeting ISO’s minimum requirements. ISO attempts to re-evaluate fire agencies about every 10 years.
“We are very proud to have achieved this,” Alpine Fire Chief Bill Paskle said. “This rating tells us that we have made good strategic decisions for the District the last couple of years and we are providing a quality service to the community.”
ISO’s classification and rating programs allow insurance agencies to “measure and evaluate the major elements of a community’s fire suppression system,” according to Robert Cobb, the company’s national director of community hazard mitigation. By securing lower fire insurance premiums for communities with better public protection, the evaluation program “provides incentives and rewards for communities that choose to improve their firefighting services,” he added. You can find more explained by Leuter Insurance Group regarding the same topic. Insurance agencies use the company’s classification information when deciding what businesses to cover and prices to charge for properties.