The Town participates in the Insurance Services Office, Inc. (“ISO”) Building Code Effectiveness Grading Schedule (“BCEGS”) program. This program provides an external, in-depth analysis of the building division operations and of the building codes adopted in the Town and the efforts put forth to properly enforce those codes. The results of this year’s Building Code Effectiveness Grading Classification is a “3” for residential properties and a “3” for commercial properties. These scores are an improvement over the last BCEGS audit, conducted in 2016. These results demonstrate a properly managed building division and a staff that effectively administers and enforces the building code, resulting in a safer, more durable, built environment.
The ISO is an insurer-supported organization with the primary mission of providing advisory insurance underwriting and rating information to insurers. Individual insurers may have adopted, or may be in the process of adopting, an ISO insurance rating program that will provide rating credits to individual property insurance policies in recognition of community efforts to mitigate property damage due to natural disasters. These insurers may use the Building Code Effectiveness Grading Classification recently prepared for the Town as a basis for the credits used.
In short, the newer ISO BCEGS results may translate into a credit (premium reductions) on homeowner’s insurance policies. Please contact your insurer to see if they use the ISO rating program to set rates for their policies, and if a premium reduction is possible based upon the recent Town ratings.
The full BCEGS report, which provides additional information about our classification process and how the ISO graded various aspects of the Town’s building codes and their enforcement, is available on the Town website under the Planning, Zoning and Building tab.
Please contact Wayne Bergman, Asst. Director Planning, Zoning & Building with any questions at (561) 227-6426.