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Home My WebLink About3.c. ISO Fire Rating ReportCITY OF ROSEMOUNT EXECUTIVE SUMMARY FOR ACTION CITY COUNCIL MEETING DATE: August 4, 1992 AGENDA ITEM:- ISO Fire Rating.Report AGENDA SECTION: Department Head Report PREPARED BY: George Lundy Fire Marshal Fire AGENDA ffEM # 3C ATTACMdENTS: Letter frolm Commercial Risk B Services =V& Attached to this is a letter which explains the final results of Commercial Risks Survey conducted last fall for the City of Rosemount. I will be giving -a brief presentation on the survey and will be able to answer any questions Council may have. 7 ISO COMMERCIAL RISK SERVICES, INC. 6550 YORK AVENUE SOUTH SUITE 600 MINNEAPOLIS, MN 55435 (612)921>6726 FAX: 16121920-0029 MERLE M. HAPPEL, CPCU REGIONAL DIRECTOR December 11, 1991 Honorable Vernon Napper, Mayor Municipal Building 2875 145 St W. Rosemount MN 55068 Dear t-layor Napper: We wish to thank you, George Lundy and others for the cooperation given during our recent survey. Vie have completed our evaluation of the fire insurance classification for your city and advise that the protection class has improved to Class 5/9. Class 5 will apply to buildings within 1000 feet of a fire hydrant. Formerly Class 6 applied; the new classification will result in a decrease in the fire insurance rates for many insured commercial properties within the city. The new rates will be effective March 1, 1892. The purpose of our visit was to gather information needed to determine a fire insurance classification which may be used to develop fire insurance rates. This survey was not conducted for property loss prevention or life safety purposes and no Life safety or property loss prevention recommendations will be made. The change from 6 to 5 does not affect rates for sprinklered properties or residential occupancies insured under Homeowners type policies and some other special schedule rated property. The change,, .will affect typical mercantile properties to a degree depending`'' upon the type of building construction, the hazard of occupancy and other rating factors. The overall effect is usually about —3A for wood frame buildings, —5A for masonry buildings and —10A' for fire—resistive buildings. However, variations in construction, occupancy and private protection can result in increases or decreases from this average. The above estimates apply rates. However, numerous rates so that the effect for their policy holders. SunS�p�a�rr o: n,>u�avCE ccR�i�ES O-FiCE. irv.:. only for insurance companies using ISO insurance companies use other than ISO of the change in class may be different -2— The city classification applies to properties with a needed fire flow of 3500 gpm or less. The private and public protection at properties with larger needed fire flows are individually evaluated, and may vary from the city classification. _ We are attaching a copy of our Grading Sheet and the results of the hydrant flow tests witnessed during our survey. Extra copies of this Letter and attachments are also enclosed so that you may distribute them to other interested parties, if you desire to do so. If you have any questions concerning the new classification,`or the resulting change in fire insurance rates, please Let us kn ow . Yours very truly, G. Dykstra Field Representative Enclosures g d : L s ISO COMMERCIAL 6550 YORK AVENUE SOUTH SUITE 600 MINNEAPOLIS, MN 5543'. MERLE M. RAPPEL, CPCU REGIONAL DIRECTOR July 28, 1992 Mr. Stefan Jilk, Manager Municipal Building 2875 145th Street W. Rosemount, MN 55068-0510 Dear Mr. Jilk: RISK SERVICES, INC. 161219206726 FAX: 16121920-0029 We are enclosing Classification Details and Improvement Statements in response to your recent request. These details and statements cover the items which are reviewed in our Fire Suppression Rating Schedule, and which are of importance in determining your fire insurance classification. These Classification Details and Improvement Statements were developed using the information obtained during our 1992 survey and consider that conditions in your city remain the same. They refer only to the fire insurance rating classification of your city, and are not for property loss prevention or life safety purposes. The city classification applies to properties with a needed fire flow of 3500 gpm or less. The private and public protection at properties with larger fire flows are individually evaluated, and may vary from the city classification. Please -contact us if you have any questions concerning the enclosed material. Very,truly yours, ,✓y '--/ 16Z G . Dy:/;s�t r a ' Field Representative GD: lm Enclosures A SUBSIDIARY OF INSURANCE SERVICES OFFICE. INC. IMPROVEMENT STATEMENTS FIRE INSURANCE CLASSIFICATION FOR ROSEMOUNT, MN Prepared By _ ISO COMMERCIAL RISK SERVICES, INC. ISO/CRS 6550 YORK AVE S., SUITE 600 EDINA, MINNESOTA 55435 July 27, 1992 The following statements are based upon the criteria contained in our Fire Suppression Rating Schedule and upon conditions in Rosemount, Minnesota. They indicate the performance needed to receive full credit for the specific item in the Schedule, and the quantity, you have provided. Partial improvement will result in receiving a partial increase in the credit. These statements relate only to the fire insurance classification of your city which may be used in the calculation of property insurance premiums. They are not for property loss prevention or life safety purposes and no life safety or property loss prevention recommendations are made. RECEIVING AND HANDLING FIRE ALARMS Credit For Telephone Service (Item 414). [412.B.] For maximum credit in the Schedule, both the number to report a fire and the fire department business number should be listed under "Fire Department" in the white pages directory. Your fire number is listed and a business number is not listed under "Fire Department". [412.C.] For maximum credit in the Schedule, both the number to report a fire and the fire department business number should be listed under the name of the city in the white pages directory. Your fire number is listed and a business number is not listed under the name of the city. Credit For Operators (Item 422). For maximum credit in the Schedule, 2 operators are needed oft• duty at all times. You have 1.82 operators on duty when considered over 24 hours. 2 Credit for Dispatch Circuits (Item 432). [431.B.-2] For maximum credit in the Schedule, the radio alarm dispatch circuit should be supervised in accordance with National Fire Protection Association Standard, 1221. Total credit for Receiving and Handling Fire Alarms (440). Actual Credit 8.03% ; Maximum Credit 10.00% FIRE DEPARTMENT Credit for Engine_Companies (Item 513). [510.] For maximum credit in the Schedule, 3 engine companies are needed in your city for the Basic Fire Flow of 3500 gpm. [511.+ 512.1 You have 3 engine companies in service. These are calculated as follows: 74 percent for Engine 183 because of insufficient equipment and lack of annual pumper tests over the past 5 years. 64 percent for Engine -Ladder 180 because of insufficient equipment and lack of annual pumper tests over the past 5 years. 57 percent for Engine 181 because of insufficient equipment and lack of annual pumper tests over the past 5 years Credit For Reserve Pumpers (Item 523). [520.+ 521.] For maximum credit in the Schedule, 1 fully -equipped reserve pumper is needed. You have 1 reserve pumper. This is calculated as 24 percent for Pumper 182 because of insufficient equipment, hose, and lack of annual pumper tests. 3 Credit For Pump Capacity (Item 532) (Item,549). [530.+531.] For maximum credit in the Schedule, at least 3500 gpm in fire department pump capacity is needed. You have adequate pump capacity. Credit For Ladder Service. (Item 549). [540.+ 541.] For maximum credit in the Schedule, 1 ladder company and 1 service companies ,are needed in your city due to the size of the area served and to the method of operation. [542-.547.) You have 1 ladder and l service company. These are calculated as follows: 46 percent for engine -ladder 180 because of insufficient equipment and lack of separate apparatus. 22 percent for service company 90 because of insufficient equipment. Credit for Reserve Ladder Service (Item 553). [550.+ 551.] For maximum credit in the Schedule, 1 full -equipped reserve ladder truck is needed. 11% credit was allowed for ladder type equipment carried on Rescue 3591. Credit for Distribution (Item 561). [560.] For maximum credit in the schedule, all sections of the city with hydrant protection should be within 1 1/2 miles of an adequately -equipped engine company and 2 1/2 miles of an adequately -equipped ladder, service, engine -ladder, or engine -service company. This distance to be measured along all-weather roads. Credit for Company Personnel (Item 571). An increase in the response of fire department members by one person will increase the fire department 0.21%. F11 Credit for Training (Item 581). [580.A. -G.] For maximum credit in the Schedule, complete facilities should be provided for training and the training program should be improved. You received 39 percent credit for the current training program and the use of facilities. [580.H] For maximum credit in the Schedule, pre -fire planning inspections of each commercial, industrial institutional and other similar -type building should be made twice a year by company members. Records of the inspections should include complete and up-to-date notes and sketches. [580.I] For maximum credit in the Schedule, records should be kept of all training. WATER SUPPLY Credit for the Water System (Item 616). [612.] For maximum in the Schedule, the needed fire flows should be available at each location in the city. Needed fire flows of 2500 gpm and less should be available for two hours, 3000 and 3500 gpm for three hours and all others for 4 hours. See the attached table for an evaluation of fire flow tests made at representative locations in your city. [614.] All AWWA standard hydrants within 1000 feet of a building, measured as hose can be laid by apparatus, are credited; 1000 gpm for hydrants within 300 feet; 670 gpm for 301 to 600 feet; and 250 gpm for 601 to 1000 feet. Credit is reduced when hydrants lack a pumper outlet, and is further reduced when they only have a single 2 1/2 -inch outlet. Credit for Hydrants (Item 621). [620.] For maximum credit in the Schedule, all hydrants should have a pumper outlet, 6 -inch or larger branch connection, uniform size operating nut and should operate in a uniform direction. 5 Credit for Inspection and Condition of Hydrants (Item 631). [630.1 For maximum credit in the Schedule, all hydrants should be inspected twice a year, the inspection should include operation and a test at domestic pressure. Records should be kept of the inspections. Hydrants should be conspicuous, well located for use by a pumper, and in good conditions. FIRE FLOW TEST ROSEMOUNT, MN TEST NO. NEEDED FIRE FLOW* GPM LIMITED BY SUPPLY WORKS LIMITED BY DISTRIBUTION MAINS LIMITED BY HYDRANT SPACING 1 4000 x x 2 3000 x 3 3500 x x 4 1000 5 2500 6 1500 7 2500 8 1250 9 5000 x x x 10 4000 x x x 11 4000 x x *Needed fire flows exceeaing s:)UU gpcn atc ,.vim %- IL - _.. determining the classification of the municipality. Municipality: ROSEMOUNT Population: 8578 Total Credit: 52.17 CLASSIFICATION DETAILS State: MN Date Surveyed: 5/91 Class: 5/9 RECEIVING AND HANDLING FIRE ALARMS This section of the Fire Suppression Rating Schedule reviews the facilities provided for the general public to report fires, and for the operator on duty at the communication center to dispatch fire department companies to the fires. CREDIT ACTUAL MAXIMUM 1. (Item 414) Credit for Telephone Service This item reviews the facilities provided for the public to report fires, including the listing of fire and business numbers in the telephone directory. 1.80 2. (Item 422) Credit for Operators This item reviews the number of operators on duty at the communications center to handle fire calls. 2'73 3. (Item 432) Credit for Dispatch Circuits This item reviews the dispatch circuit facilities used to transmit alarms to fire department members. 3.50 4. (Item 440) Total Credit for Receiving and Handling Fire Alarms 8.03 Relative Classification for Receiving and Handling Fire Alarms 2 07/91 - Page 1 - 2.00 3.00 5.00 10.00 CLASSIFICATION DETAILS (continued) FIRE DEPARTMENT This section of the Fire Suppression Rating Schedule reviews the engine, ladder and service companies, equipment carried, response to fires, training and available fire fighters. CREDIT ACTUAL MAXIMUM 1. (Item 513) Credit for Engine Companies This item reviews the number of engine companies and the hose and equipment 6.53 10.00 carried. 2. (Item 523) Credit for Reserve Pumpers This item reviews the number of reserve pumpers and the equipment carried on 0.49 1.00 each. 3. (Item 532) Credit for Pump Capacity This item reviews the total available pump capacity. 5.00 5.00 4. (Item 549) Credit for Ladder Service This item reviews the number of ladder and service companies and the 0.64 5.00 equipment carried. 5. (Item 553) Credit for Reserve Ladder Service This item reviews the number of reserve ladder and service trucks, and the equipment carried. 0.23 1.00 6. (Item 561) Credit for Distribution This item reviews the percent of the built - upon area of the city which has a first -due engine company within 1 1/2 miles and a ladder service company within 2 1/2 miles. 1.55 4.00 7. (Item 571) Credit for Company Personnel This item reviews the average number of equivalent fire fighters and company - officers on duty with existing companies. 3.22 15.00+ 8. (Item 581) Credit for Training This item reviews the training facilities and their use. 3.51 9.00 9. (Item 590) Total Credit for Fire Department 21.17 50.00+ Relative Classification for Fire Department 6 + This indicates that credit for manning is open-ended, with no maximum credit for this item. 07/91 - Page 2 - CLASSIFICATION DETAILS (continued) WATER SUPPLY This section of the Fire Suppression Rating Schedule reviews the water supply system that is available for fire suppression in the municipality. 1. (Item 616) Credit for the Water System This item reviews the supply works, the main capacity and the hydrant distribution. 2. (Item 621) Credit for Hydrants This item reviews the type of hydrants and the method of installation. 3. (Item 631) Credit for Inspection and Condition of Hydrants This item reviews the frequency of inspections of hydrants and their conditions. 4. (Item 640) Total Credit for Water Supply Relative Classification for Water Supply 07/91 - Page 3 - CREDIT ACTUAL MAXIMUM 25.17 35.00 2.00 2.00 1.84 3.00 29.01 40.00 3 Municipality: ROSEMOUNT Population: 8578 Total Credit: 52.17 CLASSIFICATION DETAILS State: MN Date Surveyed: 5/91 Class: 5/9 SUMMARY OF CREDIT Credit Maximum Feature Assigned Credit Receiving and Handling Fire Alarms .............. 8.03 10.00 Fire Department ................................. 21.17 50.00 Water Supply .................................... 29.01 40.00 *Divergence ...................................... 6.04 Total Credit- 52.17 100.00 The Public Protection Classification is based on the total percentage credit as follows: Class Percentage Credited 1 90.00 or more 2 80.00 to 89.99 3 70.00 to 79.99 4 60.00 to 69.99 5 50.00 to 59.99 6 40.00 to 49.99 7 30.00 to 39.99 8 20.00 to 29.99 9 10.00 to 19.99 10 0 to 9.99 *Divergence is a reduction in credit to reflect a difference in the relative credits for Fire Department and Water Supply. The above classification has been developed for.use in property insurance premium calculations. 07/91 - Page 4 -