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Fire rating to help insurance rates in Chippewa Falls

Wed. January 07, 2009; Posted: 10:18 AM
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Jan 07, 2009 (The Leader-Telegram - McClatchy-Tribune Information Services via COMTEX) -- ISSO | Quote | Chart | News | PowerRating -- CHIPPEWA FALLS -- A renewed fire rating for the Chippewa Falls Fire Department means home and business owners in the city will retain good insurance rates for several years, said Fire Chief Tom Larson.

Larson said at Tuesday's City Council meeting that the city has retained a rating of 3 from the national Insurance Services Office in Chicago.

"The city of Chippewa Falls should be very happy we were able to retain it," Larson told the council.

City Administrator Ron Singel said the low rating is important for setting insurance rates, and it is particularly important for heavy industrial businesses in city limits. Everyone from commercial businesses to homeowners benefits from a low rating, Singel said.

The last time the city was rated was 1991, when the city first obtained the level 3 rating. A rating of 1 is the best, but no municipalities in the state have that rating, Larson said. Only a handful, such as Milwaukee, receive a rating of 2. Others, like Superior, were just downgraded from a rating of 3 to 5, he said.

The ISO staffers were in the city for two days last spring, and they issued their report in late December.

Larson fills out a survey every two years to keep the rating up-to-date, with questions about total fire losses in the city, new annexations, additional fire hydrants, changes in staff or fire stations, and changes in the city's population.

The report from the ISO office shows the city earned a rating of 70.91, barely in the level 3 rating, defined as between 70.00 and 79.99. In 1991 the city received a 70.35 rating.

The report indicates the department is lacking in dispatch facilities used to send alarms to firefighters, as the city only scored 1.25 points out of five possible. However, the department earned high marks for its firefighting equipment, such as the engine and hose receiving 9.58 points out of 10. The city also received all five points for total available pump capacity.

While it has been 17 years since the last full ISO rating, Larson said the city is likely to be rated every 10 years.

In other business, the council voted 5-1 to allow Chippewa Falls Police Chief Wayne Nehring to serve as interim Lake Hallie police chief. The agreement allows Nehring to serve up to 90 days as interim chief, and the city will bill Lake Hallie $100 an hour for Nehring's services. Lake Hallie Police Chief Gale Haas retired Saturday, and the village is hoping to hire a replacement by spring.

To see more of The Leader-Telegram or to subscribe to the newspaper, go to http://www.leadertelegram.com. Copyright (c) 2009, The Leader-Telegram, Eau Claire, Wis. Distributed by McClatchy-Tribune Information Services. For reprints, email tmsreprints@permissionsgroup.com, call 800-374-7985 or 847-635-6550, send a fax to 847-635-6968, or write to The Permissions Group Inc., 1247 Milwaukee Ave., Suite 303, Glenview, IL 60025, USA.

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