Fire Insurance Rates and Your Local Department

AUDIO – 071713 – Fire Insurance Services Office

When it comes to fire protection, the rating of your local fire department has an impact on what you pay for homeowners insurance.. That rating by the way, comes from The Fire Suppression Rating Schedule which is the manual the ISO uses in reviewing the fire-fighting capabilities of individual communities. The schedule measures the major elements of a community’s fire-suppression system and develops a numerical grading called a Public Protection Classification. Steffan says the ISO office comes in every so many years and they do a survey of the Fire Department..

Ten percent of the overall grade is based on how well the fire department receives fire alarms and dispatches its fire-fighting resources. Our field representatives evaluate the communications center, looking at the number of operators at the center; the telephone service, including the number of telephone lines coming into the center; and the listing of emergency numbers in the telephone book. Field representatives also look at the dispatch circuits and how the center notifies firefighters about the location of the emergency. Another Fifty percent of the overall grading is based on the number of engine companies and then forty percent is based on the community’s water supply.

Tupper Lake Fire Chief Carl Steffan says Hopefully the new Emergency Services building will have an impact on that rating not only in the village but also in the town where the rating is higher. 

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