I retired from the Anchorage Fire Department (AFD) after 29 years of service and had some opportunity to be aware of some of the fire statistics and fire-loading statistics. AFD is rated by the Insurance Services Organization (ISO), which is a standards evaluating firm used by many entities nationwide. ISO ratings for fire departments are based on certain criteria including water supply, size of department/equipment/manpower/training, fire codes and enforcement and communications, along with other details. The result of their evaluation is a rating from 10 (unprotected – no fire protection) to 1 (the fire department is exceptionally competent).
AFD has achieved an astounding 2 rating. The rating interprets into the loss ratio used by many insurance companies for establishing their rates. For the most part, the ISO rating interprets fairly directly for homeowners insurance rates; businesses are usually rated individually with consideration given for their specific hazard-of-business and the local fire department capability/rating.
Having said all of that…churches are one of the highest and most problematic hazards in any city. Read the rest of this entry »
