Quote:
Originally Posted by CarlR33
I would vote to get rid of them. The golf carts don’t pay attention with the gate anyhow. I noticed when the fire department came the other night going by Sawgrass they had to completely stop and push the button on the (non attendant) gate. I wonder if my home insurance takes that into account and my rate is higher based on a slower response, LOL. Like another said we will be gone before any change ever happens.
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With regard to how gates may impact insurance pricing for homeowners I don’t believe there is a direct one to one correlation. However in aggregate cities and towns receive a Public Protection Classification (PPC) ranging from 1-10 and this value is normally used by actuaries/insurers to determine fire insurance rates.
The PPC is used by insurance companies and national insurance rating organizations such as the Insurance Services Office (ISO) to determine fire insurance rates for properties within the city. There are a number of elements that go into the PPC rating including water supply, fire department equipment and training, and fire alarm systems.
A higher PPC (closer to 10) generally means higher insurance premiums, while a lower PPC means lower premiums. ISO's PPC system also provides a benchmark for cities to improve their fire protection capabilities.
As a former insurance underwriter I recall that FD response time was among the factors that went into the PPC and I was surprised to see some major cities with lower ratings than some suburban cities. When I questioned the difference I was told at the time that the traffic/congestion was a factor. Also, as a volunteer fire fighter for several years I learned that our town in CT had a lower rating than surrounding towns due to the RR that ran through the center of town which created the possibility of delayed FD response due to separation and access in the event a train was passing.
However, given the many FD’s in TV, personally doubt that community watch gates and guards are an issue. For more detail about the current Villages PPC see this Public Safety reference:
what is the ISO PPC for The Villages Florida? - Google Search