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Court approves switching three historic county buildings from 'historical' to 'replacement' coverage to cut premiums
Summary
Brewster County commissioners voted to convert three county buildings (including the courthouse) from historical‑value insurance to replacement‑value coverage to reduce annual premiums by roughly $16,000, a change the judge said would preserve exterior appearance but not require historically exact materials if rebuilt.
The County Judge presented property and casualty insurance renewal figures and proposed changing coverage for three county buildings — the courthouse, the old jail and the Marathon building — from historical value to replacement value to reduce premiums. "Our premium this year ... has come in at $76,233," the judge said, and proposed that converting those three properties would reduce the premium by about $16,000.
Commissioners discussed the tradeoffs: keeping historical coverage could let the county rebuild with historically accurate materials after a catastrophic loss, while replacement coverage would likely rebuild the facilities to the same appearance without requiring original materials. A motion to convert the three buildings to replacement coverage was moved and seconded and the court approved the change during the meeting.
