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ISO COMMERCIAL RISK SERVICES, INC. January 8. 1987 Honorable David Hartley, City Hanaser Nunicipal Buildini 15153 Nowthen Blvd. Rams ey, HN 55303 Dear Sir: We wish to thank you, and others for the cooperation siren to our representatives durin$ our recent survey, l~e have completed our evaluation of the fire insurance classification for your city and advise that the protection class has improved to 5/9. formerly Class 10 appliedl 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 Hatch 1, 1987. Class 5 will apply to buildings within 1000f to a hydrant and vlthin 5 miles of the fire station. The purpose of our visit was to 8ether information needed to determiue a fire insurance classification which may be used to develop fire insurance rates. This survey was not conducted for property loss prevention or llfe safety purposes and no life safety or property loss prevention recommendations will be made. The change from 10 to 5 does not affect typical mercantile properties to a degree depending upon the type of building construction, the hazard of occupancy and other rating factors. The effect of residential properties is usually about -401 for Homeowner-type policies. The above estimates apply only for insurance companies using ISO rates. However, numerous insuranc~ companies use other than ISO rates so that the effect of the change in class may be different for their policy holders. 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. A SUB~IDULRY Of' INSURANCE S~RVICE$ OFFICE, INC.