HomeMy WebLinkAbout2008-02-06 PACKET 04.D.REQUEST OF CITY COUNCIL ACTION COUNGL AGENDA
MEETING ITEM # �
DATE 02-06-08
PREPARED BY: Pubiic Safety Craiq Woolery
ORIGINATING DEPARTMENT STAFF AUTHOR
* * * t % Y: k * * 'k k * 'k * * * * * * * * * * %' * 1 * k Y' ;F k k * 'h * * * * * * + k `k A- * Y: k :k
COUNCIL ACTION REQUEST:
Receive information on 2007 Insurance Services Office (ISO) Public Protection Ciassification
Survey
� C •►l►/_\�� •
Receive information on 2007 Insurance Services Office (ISO) Public Protection Classification
Su rvey
SUPPORTING DOCUMENTS:
MEMO: Memo dated December 31, 2007 from Fire Chief Bob Byerly
RESO�UTION:
ADMINISTRATORS COMMENTS:
�
,�.,.��, ,/�/6�
City Administrator Date
:4 'k M `k %' k k k :F * * * * * * t * X' * k X W `k k x it k :F * k * * * * * * x 'k W 'k * W * * * * * *
/
COUNCIL ACTION TAKEN: ❑ APPROVED ❑ DENIED �ti'�'�OTHER
N\Counctl 2008\02-06-OS CA fomi 2007 ISO Survey from Fire.doc
' �r� . �.�� . • ���. r� �� ', . .y:
... �: '� ;..::
� �, .
To:
From:
Date:
Subject:
Honorable Mayor, City Council, City Administrator Ryan Schroeder and
Director of Public Safety Craig Woolery
Fire Chief Bob Byerly
December 31, 2007
2007 ISO Public Protection Classification Survey
BACKGROUND
The Insurance Services Office (ISO) supplies data and analysis for the
property/casualty insurance industry and periodically evaluates all communities and
areas that have public fire protection. This evaluation is one tool to help gather
information that is used in the calculation of property insurance premiums.
In January, 2007, ISO contacted us requesting a review of the Cfty s Public Protection
Classification program rating which was last rated in 1989. Fire Chief Byerly then met
with an ISO representative to discuss the steps needed and paperwork that would need
to be completed.
The key points that ISO analyzes are Dispatch capabilities. Fire Department and Water
supply.
SUMMARY OF ISO REVIEW
The Insurance Services representative worked with city personnel in May, 2007 for 2
days reviewing the water supply and fire department and received Dispatch info from
Washington County Dispatch. Results were recently received and are as foliows:
Dispatch
Fire Department
Water Supply
Divergence
2007 scores
Maximum
6.65%
29.03%
39.18%
-7.98%
1989 scores
6.03%
25.55%
38.13%
-8.87%
10%
50%
40%
100%
TOTAL CREDIT 66.88% 60.84%
Divergence explanation from ISO representative: "Even the hest fire department will be
less than fully effective if it has an inadequate water supply. Similarly, even a superior
water supply will be /ess than fu(ly effective rf tlie fire departrnent / acks the equtpment or
personnel to use the water. The divergence factor mathematically reduces your
preliminary scores if the fire department and water-supply scores are out of line with
each other".
The total score brought our ISO test points up by 6 from the 1989 scores.
ISO SUMMARY
In summary, the City's ISO scores will be a 4 for urban areas, as the score has been
since 1989, and an 8b for rural areas, dropping from 9 which should be a lower
insurance rate for those areas. According to ISO, °dass 8B is a rating for communities
that provide superior fire protection services but lack the water supply in those areas",
which would pertain to our rural areas without hydrants and which need water tanker
shuttles during a fire. To achieve a rating of 3 in the urban areas, we would need to
achieve 3 more points which would be very difficult. (The City of Woodbury has these
same ratings.)
Each insurance company uses different standards for rating cities and protection areas.
State Farm Insurance Company discontinued using ISO ratings in 2001. Also, according
to the League of Minnesota Cities Insurance Trust, there wiil be no difference in
insurance premiums for city homeowners between an ISO rating of 1 through 7. Most
cities in Minnesota have an ISO rating of 4 or higher.
For your information.