​​Claim:

  • More manned fire stations will reduce ISO ratings which will decrease home owner/property insurance. 


​Facts:


  • The major reason the ISO rates increased in 2015 for some property owners was because the Madera County Fire Department did not provide ISO with the requested information by the cutoff date. (Ref: Madera County Fire Marshal Deborah Keenan before BOS in April/2015) Now that those have been filed, the County’s ISO rates will adjust downward. 

  • Increasing fire personnel is no guarantee of reduced ISO ratings and lower property insurance.  


Claim:

  • Pay Now or Pay Later – the argument is that paying an increased sales tax now will avoid paying a high property insurance fee later. 


Facts:


  • Over 40% of property insurance providers don’t use ISO ratings.
  • Other factors for home owner premiums include age of a home and the type of roof, changes in the homes replacement costs or blemishes on the homeowner’s credit history
  • Many residents whose fees were increased have switched to other Insurance providers with     comparable and in some cases lower rates than their previous rates 



Claim: 

  • Measure L will help to decrease property insurance rates. 


Fact:


  • ​If you look at the Madera county’s website HERE you’ll notice there is NO mention or guarantee of reduced property insurance rates under the Benefits advocated by the 1% sales tax.  None, Zip, Nada!


​Claim: 

  • Property Insurance rates will increase without more funding of fire and safety. 


Fact: 

  • Many residents whose fees were increased have switched to other Insurance providers with comparable and in some cases lower rates than their previous rates



 







Insurance Services Office (ISO) is a privately owner assessment company, under the umbrella of the Verisk corporation, which collects statistical data on fire departments suppression abilities and then assigns a numerical rating, on a scale of 1-10, to homes in that area based on that specific departments fire suppression capabilities to the surrounding areas.

  • 50 % of the score looks at your local fire department including staffing, training, geographic distribution of firehouses and adequacy of the fire equipment 

  • 40% looks at the community’s water supply 
  • 10% measures efficiency of emergency communications.


This means as a starter, that 50% of ISO ratings will NOT be effected by increasing fire personnel in Madera County!

ISO - What it is & What it's Not


Claims Vs. Facts 

Claims Vs. Facts

No On Measure L