San Juan Island Fire & Rescue Announces WSRB Insurance Rating Changes

Posted August 25, 2020 at 6:19 pm by

San Juan Island Fire & Res­cue (SJIF&R) announced receiv­ing noti­fi­ca­tion by the Wash­ing­ton State Rat­ing Bureau (WSRB) of a sig­nif­i­cant change to their eval­u­a­tion of San Juan Island’s prop­er­ty under­writ­ing and rat­ing infor­ma­tion for the insur­ance indus­try fol­low­ing its re-rat­ing review that occurs approx­i­mate­ly every 5 years.

WSRB issued the updat­ed rat­ing: The WSRB rat­ing for San Juan Island (out­side of the Town of Fri­day Har­bor) has been reduced from a Fire Pro­tec­tion Clas­si­fi­ca­tion 7 to a Fire Pro­tec­tion Clas­si­fi­ca­tion 6. The WSRB rat­ing for the Town of Fri­day Har­bor remains at a Fire Pro­tec­tion Clas­si­fi­ca­tion of 6.

As a pri­vate, for prof­it com­pa­ny, WSRB does not direct­ly set insur­ance rates but pro­vides this data to Wash­ing­ton State Office of the Insur­ance Com­mis­sion­er (OIC) and pri­vate insur­ance com­pa­nies. The­o­ret­i­cal­ly, the low­er the score, the more insur­ance providers would be will­ing to pro­vide you cov­er­age and at a low­er pre­mi­um than a high­er score. WSRB rec­om­mend res­i­dents of San Juan Island con­tact their insur­ance agents to deter­mine the rel­a­tive effect this new com­mu­ni­ty pro­tec­tion clas­si­fi­ca­tion will have on their insur­ance premiums.

Bob Jar­man, Chair of Fire Dis­trict #3 said, “The new WSRB rat­ings result­ed from Fire Dis­trict #3’s increased focus on com­pre­hen­sive emer­gency response, train­ing stan­dards, and com­mu­ni­ty risk reduc­tion pro­gram­ming. The direc­tion of our fire com­mis­sion­ers, cou­pled with the pro­fes­sion­al­ism and com­mit­ment by our mem­bers con­tin­ues show­ing pos­i­tive results that are ben­e­fi­cial for our island res­i­dents. Our fire pro­tec­tion rat­ing is one per­for­mance mea­sure­ment our dis­trict uses to eval­u­ate effec­tive ser­vices to our tax­pay­ers, our res­i­dents and our vis­i­tors.”

SJIF&R Chief Norvin Collins said, “The WSRB rat­ing score is a pri­ma­ry tool used by insur­ance com­pa­nies to devel­op rates for insur­ance pre­mi­ums. WSRB con­ducts inspec­tions of each fire orga­ni­za­tion in the state and assign­ing a num­ber based on their eval­u­a­tion of sev­er­al per­for­mance met­rics. I am proud of the work our vol­un­teers and paid staff do each and every day to improve emer­gency ser­vices through­out our served com­mu­ni­ties. We are focused on mak­ing addi­tion­al changes to poten­tial­ly reduce future WSRB rat­ings for all of our served com­mu­ni­ties.”

As a pri­vate com­pa­ny, WSRB is one source of prop­er­ty under­writ­ing and rat­ing infor­ma­tion for the insur­ance indus­try. WSRB is the only approved com­pa­ny to sub­mit fil­ings to the OIC. WSRB eval­u­a­tion scores are used by insur­ance car­ri­ers to deter­mine ser­vice areas and rates for insur­ance pre­mi­ums based upon fire orga­ni­za­tion readiness.

We believe these rat­ing results are just the begin­ning of what we can achieve. Our dis­trict is focused on com­pre­hen­sive com­mu­ni­ty risk reduc­tion and the involve­ment of our res­i­dents in increas­ing the safe­ty of all our homes and island com­mu­ni­ties,” said Chief Collins.

WSRB states, “This sur­vey was not con­duct­ed for prop­er­ty loss pre­ven­tion or for life safe­ty pur­pos­es. The pur­pose was to gath­er infor­ma­tion need­ed to deter­mine a fire insur­ance rel­e­vant Pub­lic Pro­tec­tion Clas­si­fi­ca­tion that may be used to devel­op fire insur­ance rates or loss costs. Our eval­u­a­tion cri­te­ri­on incor­po­rates many nation­al­ly rec­og­nized stan­dards, such as those devel­oped by NFPA, ICC and AWWA, and have been filed with and approved by the Wash­ing­ton State Office of the Insur­ance Com­mis­sion­er.”

Pro­tec­tion Class rat­ings for indi­vid­ual dwelling and com­mer­cial prop­er­ties are avail­able free of charge by call­ing WSRB Cus­tomer Ser­vice at (206) 217‑0101 or email­ing

For more about WSRB, please go to their web­site at: Wash­ing­ton State Rat­ing Bureau

 For more about the OIC, please go to their web­site at: Wash­ing­ton State Office of the Insur­ance Commissioner


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