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The Lake News Online
  • SBFPD improves ISO score after review but not enough to change classification

  • The Sunrise Beach Fire Protection District has received a slightly improved score for its Insurance Services Organization (ISO) rating after a review of the new rating but not enough to move it forward to the next category.
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  • The Sunrise Beach Fire Protection District has received a slightly improved score for its Insurance Services Organization (ISO) rating after a review of the new rating but not enough to move it forward to the next category.
    The department's overall rating went from a split Class 6 to a Class 5 for the entire district earlier this summer  but will not be effective until October. The new rating was announced after an evaluation by the ISO in 2013.
    The review of that evaluation improved the department's score from 53.79 to 56.27.
    District officials were pleased with the improvement even though it was not enough to change the overall rating.
    "We spent a lot of time reviewing the report and felt strongly that the ISO did not give us all the credit we deserved," said Sunrise Beach Fire Chief Dennis Reilly in a press release. "The ISO was very willing to listen to our concerns and the new grade places us all that much closer to our ultimate goal of a Class 4 rating."
    According to Reilly, the district still plans to ask ISO evaluators to reeturn in 12-14 months to try to improve the rating to Class 4.
    "We have made a commitment to our community to use our resources to provide excellent service while taking steps to manage our finances and the burden we place on the community. Our improved ISO rating is an example of our commitment to living up to our promises," he said.
    Prior to this year, the last time the district was reviewed was in 1998. ISO does evaluations on its own every 10 years, but departments can reach out and request a review to improve its rating at any time.
    Some insurance companies use the ISO rating in calculations for insurance premiums on homes and other buildings. For homeowners using these insurance companies, a rating improvement means savings which varies by insurance carrier and other factors of the individual structure.
    The difference in insurance costs would help offset and possibly provide net savings for these homeowners within the district following a 7 cent levy increase approved last year.
    Some of the areas of improvement in the 2013 review included engine companies, reserve engine companies, training, distribution of resources, water system, hydrants and hydrant inspections.

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