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Insurance staff: not yet cost‑effective to add countywide coverage for warning sirens
Summary
County insurance staff presented cost estimates to add warning sirens to the county's property policy and advised commissioners that, given depreciation and low incident history, adding coverage is not recommended at this time; staff will return with recommendations tied to any future siren replacements.
Adams County insurance staff presented estimates for adding the county's outdoor warning sirens to the county property insurance program and recommended against adding them now because of premium cost relative to likely recovery under depreciation schedules.
Dustin, identified in the meeting as an insurance presenter, said an insurer quoted roughly $8,900 per year to cover 14 sirens at replacement‑value estimates averaging about $30,000 each. He said removing six sirens that the city of Decatur insures would reduce the premium to about $6,000 a year. He explained the policy would pay actual cash value subject to a $2,500 deductible and that depreciation for older sirens could substantially…
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