Saturday, November 07, 2009

Insurance Company Looking at Campground Fire Risks

Evergreen has seen a rise in the number of fire departments that are charging for their services when a fire occurs – especially in rural areas with volunteer fire departments. It’s a sign of the times. Local property taxes fund a department’s capacity to respond, and additional service fees pay for the increased cost of responding.

So – what would it cost for a fire department to respond to a fire at a campground or RV Park?

Most towns and cities have local codes limiting what their fire department can charge. While some areas do not make a charge – many do. Some towns allow charges as high as $20,000 or more. The majority limit their charges to $500 or $1,000 for the fire department to respond to a fire at a commercial building.

However, in the event of a significant fire, there are often multiple departments responding. Many fire departments have agreements for other fire departments to assist them in the case of large fires or to back up their stations while they are fighting a fire. It is not unusual in the case of a large fire to have half a dozen different fire departments fighting a fire and another half a dozen that are not at the fire but on duty backing up those departments who are fighting the fire. That’s a dozen potential charges.
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