From: Rich Caudill <rich.caudill5460@nullgmail.com>
Sent: Saturday, January 3, 2026 11:51 AMSubject: Late Christmas Present

 

Santa left one more present on his way out of town!  Thanks to the hard work of the firefighters, Board of Directors, and amazing community support for Gold Hill Fire Protection District, we have been able to reduce our insurance risk rating from a 9/10 to an 8b! The is a great improvement for the risk profile of our community.  This rating in part, is what the insurance industry uses to gauge risk when they considering issuing or renewing a policy.  Here is a link explaining the risk rating program ISO’s Public Protection Classification (PPC) Program | Verisk’s Community Hazard Mitigation Services   Achieving this designation allows us to undergo a more comprehensive evaluation to potentially reduce this risk rating even further.  We are beginning to undertake this project now.

 

I would encourage you to reach out to your insurance carrier and let them know about this rating change to see if it may have a positive impact on your insurance coverage.  Because the insurance market is an ever-changing model in Colorado, this may or may not affect your situation individually.  However, this improved rating does open the market to more insurers who offer policies to our new risk classification.  This allows you to shop competitively for the best option for you.  

 

Not all insurers are able to see this information immediately, so I have attached the profile should you need it for your insurance purposes.  

 

I encourage everyone to take advantage of home hardening and mitigation information and resources through groups like Wildfire Partners.  Colorado H25-1182  is a new Colorado law set to take effect July 1, 2026.  This law sets new guidelines for insurance companies and homeowner fire prevention efforts such as hardening and mitigation.  Here is a link to a news story explaining the new law.

 

We are striving to continue to seek out ways to improve our risk profile rating and offer fire prevention programs to our community.

 

If you have any questions, please feel free to reach out to me.

 

Again, congratulations and thank you for your support!

 

Rich Caudill

Fire Chief

 

Rich.Caudill5460@nullgmail.com