FREDERICK — The Frederick-Firestone Fire Protection District announced March 6 that it has earned a Class 2 rating from the Insurance Service Office, commonly known as ISO.
This new rating means that residents and business owners may be able to enjoy lower insurance premiums.
The previous ISO rating for the Frederick-Firestone Fire Protection District was a 5/9; the new rating of 2/9 puts the Frederick-Firestone Fire Protection District in the top 1.5 percent of fire department ISO ratings in the State of Colorado and the United States.
What does this
mean for you?
Your fire insurance rates are based on many different factors, including the Fire District’s ISO rating. Most insurance companies utilize the ISO ratings when calculating your premium. It also is just one more example of the high quality fire protection services the Frederick-Firestone Fire Protection District provides to the community and provides you peace of mind in knowing the level of protection you and your family can count on 24 hours a day, 365 days a year.
“The responders and staff of the Frederick-Firestone Fire Protection District take great pride in playing a positive and proactive part in our community’s and your family’s prosperity and safety. This new rating was achieved through our commitment to service and our comprehensive planning with our two anchor communities. We recognize the financial impact that insurance premiums have on business and homeowners in a time when every dollar counts, and we are happy to do our part to lessen those burdens,” said Ted Poszywak, Fire Chief of the Frederick-Firestone Fire Protection District.
ISO evaluates and assesses capabilities of fire departments across the United States. In each community, ISO analyzes data on fire protection services and grades the area served by the fire department by giving it a Public Protection Classification on a scale of 1–10, with a Class 1 being the best, and a Class 10 being the worst.
The FSRS is like a test for the Fire District. The test is divided into four different areas, which include the fire department’s response services, water supply system, Emergency Communications Center, and Community Risk Reduction services like public education, inspections and fire investigations. By grading the fire department on these four items, an ISO rating is truly a community level achievement.
ISO ratings are “split” ratings meaning if a home or business within the District is within 1,000 feet of a fire hydrant it receives a 2 and outside of 1,000 feet from a fire hydrant it receives a 9. The new rating takes effect May 1, so check with your insurance carrier to discuss the District’s new ISO rating and see what difference it can make for you.