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Cloud Lake building department readies for ISO inspection; town reports long-held Class 3 rating
Summary
Town officials said the Building Department will be inspected by the Insurance Services Office on May 21; officials reported Cloud Lake holds a Class 3 rating, which can affect insurance credits for new construction, and staff will complete an all-day review at Town Hall.
The Cloud Lake Building Department will host an Insurance Services Office (ISO) reviewer on May 21 for an all-day inspection and report, Town Clerk Dorothy C. Gravelin and the Building Official told the Cloud Lake Town Council.
The Building Official and the clerk said the town has held a Class 3 ISO rating since the program began and that the rating makes insurance-crediting on new construction available to property owners. The transcript references both 1997 and 1998 in describing the program’s history; town officials did not clarify the discrepancy during the meeting and said the pending ISO report will establish the official record.
Officials said staff are continuing preparations for the evaluation, which will examine Building Department procedures and documentation used by insurers to calculate underwriting credits. The council did not take any formal action during the discussion but noted the results of the ISO report could affect insurance underwriting and premiums for future construction in Cloud Lake.
The ISO program assigns Class 1 as the highest rating. Town officials framed the inspection as routine and asked that the report be shared when complete; no timetable for public release beyond the inspector’s on-site date was provided.
