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Coldwater, Michigan. August 5, 2020 – The City of Coldwater is proud to announce that after the Fire Department’s 2020 Insurance Service Office (ISO) review, the department has improved its score from Class 3 to Class 2. Class 2 is a challenging rating to achieve that will result in potentially lower fire insurance premiums for property owners of Coldwater. The new score will take effect on November 1, 2020, and Coldwater Fire Chief Schmaltz is encouraging everyone to contact their insurance carrier to let them know of the rating change.
The City of Coldwater Fire Department was reviewed by the ISO in June, roughly four years after the department’s last survey in 2016, and achieved an impressive Class 2 fire rating. Based upon ISO’s 2020 information, only 17 out of 1,442 rated communities in Michigan have received a Class 2 fire rating. Nationwide, only 5% of the rated communities received a Class 2 or lower score. Coldwater now counts itself among the communities in the top 5%.
A city’s investment in its Fire Department, water system, and 911 Center is a proven and reliable predictor of future fire losses. Because of this, insurance companies use a community’s ISO score to help establish premiums for homeowners and commercial fire insurance. In general, the price of fire insurance in a city with a lower score is substantially lower than one with a higher score.
To rate communities’ fire preparedness, ISO collects and evaluates information on their structure fire suppression capabilities. The program evaluates the cities according to a set of criteria, incorporating nationally recognized standards developed by the National Fire Protection Association and the American Water Works Association. The community’s grade, or PPC score, is then based on three categories with a weighted percentage equaling 100%. The Fire Department makes up 50% of the score, while the water system is 40%, and finally, the 911 Center is 10. ISO has evaluated and classified over 39,000 fire protection areas across the United States and rated them from Class 1 to Class 10.
“Achieving a PPC score of 2 in a community the size of Coldwater is a difficult task, to say the least,” said Chief Schmaltz. “It takes a lot of attention to detail and the commitment from the elected officials to provide the needed resources. Without the support of the City Council, City Administration, the Water Department, and the total commitment of the entire staff at the Fire Department, none of this would be possible. They all should be extremely proud of what we have achieved!”