Board of Supervisor - Regular Meeting

Tuesday, June 23, 2026

The Board of Supervisors approved a rezoning request for automotive sales with stipulations and another for a residential subdivision. They also approved the appointment of a deputy medical examiner and discussed changes to the county’s insurance policies, including increasing the property deductible and excess liability.

About this meeting

Government Body
Board of Supervisor
Meeting Type
Board Of Supervisor
Location
Dickinson County, IA
Meeting Date
June 23, 2026

Transcript

198 sections

0:11 – 0:39Speaker 10

we'd like to welcome all here to our meeting today and we're going to start off i'm going to open a public hearing on the recommendation from the planning and zoning commission megan good morning okay so first item on the agenda is a recommendation from the planning and zoning commission for

0:43 – 3:12Speaker 1

So basically, Oak Bogey Boat Brokers has submitted a request to amend the permitted principal uses associated with the rezoning that was approved by the Board of Supervisors on November 12, 2025. Specifically, the applicant is requesting automotive sales be added as a permitted use for the property. And that is defined. So the sale or rental of automobiles, non-commercial trucks, motorcycles, motor homes, recreational vehicles, or boats, including incidental storage, maintenance, and servicing. Typical uses include newer used car dealerships, motorcycle dealerships, and trailer and recreational vehicle dealerships. This request is necessary because the current permitted use of marine services, which is defined as establishments engaged in the rental, sale, storage, repair, docking, and servicing of boats and other marine sporting equipment does not allow the business to obtain a used motor vehicle dealer license at this location. proposed use of the automotive sales um is a permitted principal use within the highway commercial district the request is consistent with the comprehensive land use plan as the property is designated for commercial development on may 18 2026 the planning and zoning commission voted six to zero to recommend approval to you all with the following stipulations the approved use shall be limited to the sale of only automobiles motorcycles and boats The business shall be limited to two dealer license plates, no automotive sales lot shall be established on this property, and no automotive maintenance or repair services shall be conducted on the property. So in a nutshell, adding the automotive sales will allow them to essentially take in a vehicle on trade for someone that is maybe looking to purchase a new boat from them. um but as i read the automotive sales uh definition earlier does encompass a bit more and planning and zoning commission just wanted to make sure that it was very limited to the scope that um living and eye friends were presenting to the planning and zoning commission and tql so that's what brings us here today i gotta hear a motion on this discussion will follow

3:14Speaker 5

I'll make a motion to approve.

3:15 – 3:32Speaker 10

Do we need to close? Oh, yes we are. Thank you. Does the public have anything to say? Okay. Then I will take this public meeting and ask for a motion.

3:32Speaker 12

I will make a motion that we accept this proposal with the stipulations as recommended by the PNZ commission.

3:40 – 3:56Speaker 10

Kim, let's move. Do I hear a second? I'll second. Dave Kuntz, device seconds further discussion, how did I hear you correctly, but there will be no automotive repairs. Dave Kuntz, So we don't have to worry about environment.

3:56Speaker 4

Dave Kuntz, How many vehicles are they limited to.

4:03 – 4:17Speaker 1

That was not a discussion from the Planning and Zoning Commission, but they only have two dealer plates. So if they were to run the vehicle to auction, they would only be able to take two, theoretically.

4:18Speaker 3

They could have 100 parked in the area.

4:21Speaker 1

It cannot become a motor. So that was a stipulation that it cannot become a sales lot. So no automotive sales lot shall be established on the property.

4:36Speaker 11

So is that strictly limited to motorcycles and automobiles or would side-by-sides?

4:46Speaker 1

P&Z restricted it to automobiles, motorcycles, and boats. Boats is already covered by Marine Services.

4:53Speaker 11

We're seeing a lot of side-by-sides up here and things like that. And I just wondered.

4:58Speaker 3

You don't have to have a dealer license to have this.

5:02 – 5:20Speaker 10

All right. That answers that question. Is there any further discussion? If not, Kim? Aye. Muzai? Aye. Mr. Clark? Aye. Mr. Deller? Aye. Kim Gillis? Aye.

5:21Speaker 1

Thank you. We'll publish it, and then it'll be official after 15 days. Thank you. Thank you.

5:34 – 5:50Speaker 10

I'll have Camden. until our next public meeting. So let's go down to item five, the appointment of the Veteran Affairs Commissioner. Is Spring here?

5:51 – 6:03Speaker 2

I just sent her a text, but Terry Heidebrink is here. Is anybody else coming? Terry, the talk was Michelle.

6:03Speaker 8

Spring was going to, but I think she's got somebody over there.

6:07Speaker 2

Okay. I'm going to call her just to make sure she wants to be.

6:15Speaker 1

Good morning. Good morning.

6:17 – 6:49Speaker 8

I'm here to represent the Veterans Affairs. And every year we have one of the people that has to be rebuilded on. And this year we had two applications and we went through them. And the president, a fellow named Jim Kessler, who was Ready to be reappointed. When we went through and looked at his application and the other person's application, we voted on getting Jim back in on the commissioner for three years.

6:50 – 7:01Speaker 10

Is there any questions? Just the comments. Your other applicant was well qualified.

7:02Speaker 8

Yeah, but we felt that Jim was better qualified than this other one.

7:09 – 8:13Speaker 10

That was our, this is our reference. Anyone else have questions or comments for Terry? If not, I will take a motion. Make that motion to accept. Mr. Dillard moves. I'll second. Mr. Clark seconds. Further discussion? Hearing none, Mr. Dillard? Aye. Mr. Clark? Aye. Eli? Aye. Jim? Aye. I'm Bill . Appreciate it. Thanks, Terry. OK. Should medical examiners take over seven minutes? Shouldn't. Okay. Let's go to item number seven.

8:14Speaker 2

The only thing is, is that Jared was maybe going to be here.

8:17Speaker 10

I invited him to be here. He was a big part of what's going on.

8:20Speaker 2

I told him to come about 9.30. We could do number six if you want.

8:24Speaker 10

Okay. Let's try number six then. The approval of fiscal year 27 hourly and five weekly wages.

8:34 – 9:04Speaker 2

We just need a motion to approve the fiscal year 27 wages, department budgets, and budget transfers. These have already been approved at our budget hearing that was held on April 14th. It's just a requirement for the state auditors to have approved and listed as part of the formal meeting minutes. And one motion is okay. And you'll see that the electeds are not on there because they have, and those with their own boards have already met legal requirements of posting. So these are just the salaries and hourly, not electeds.

9:04 – 9:23Speaker 10

What can you approve? Okay, I'll second. Mr. Clark seconds further discussion. As there is none. Kim? Aye. Mr. Clark? Aye. Levi? Aye. Mr. Dullard? Aye. And Bill? Aye.

9:24Speaker 2

I'm assuming Erin was going to maybe come down for her resolution. So if you want to go to number nine.

9:31 – 10:26Speaker 10

Okay. Set the joint DD 61 and joint DD 61 branch 61 FEMA public hearing. Good morning. Good morning, John. We've been with FEMA on the residential disaster declaration for the storms that happened in 2024. We have received obligation final two districts, well, one's a sub-district, but I've received final obligation for those projects. Should have a copy of the plans and the preliminary engineering report of that. Those were larger awards, so those took a little bit longer to process, but we're at a point where we're ready to go, have a public hearing, discuss those repairs. So hoping to set a public hearing date today. We can do that discussion with landowners.

10:28Speaker 2

We have that to be held on July 28th, 2026 at 9 a.m. With a joint meeting via zoom with both Emmett and clay county.

10:41Speaker 10

I was 9 o'clock.

10:49Speaker 11

I would make a motion public hearing. July 28 9 o'clock.

10:54Speaker 2

And that is for both joint 61 and brand 61. I'll second.

11:00 – 11:16Speaker 10

If Mr. Clark moves, Kim will second it. Further discussion? If there isn't one, Mr. Clark? Aye. Kim? Aye. Mr. Bellard? Aye. Levi? Aye. Kim Billwith? Aye.

11:25 – 12:11Speaker 10

All right, item number 10 is the approval of the June 9th board meeting minutes. Did anyone find anything missed? I'll make a motion to approve the minutes from June 9th. I'll second. Levi moves. Mr. Dillard seconds. Further discussion? As there is none, Levi? Mr. Dollar? Aye. Mr. Clark? Aye. Kim? Aye. And Bill LaSalle. Item number 11, approval of the claims. Anyone see anything amiss on that?

12:19Speaker 11

Motion to approve claim.

12:21 – 13:10Speaker 10

Mr. Clark moves. I'll second. 10 seconds. Further discussion? Hearing none, Mr. Clark? Aye. Kim? Aye. Mr. Dillard? Aye. Levi? Aye. And Bill is off. We have one drainage claim. This is item number 12. And this was to ISG in the amount of $1,960.28. 1,966. What did I say?

13:15Speaker 2

And that was for DD19, main tile.

13:19Speaker 10

Motion to approve. Give us move. I'll second. Levi's second. Further discussion?

13:28Speaker 1

As there is none, Jim? Aye. Levi? Aye. Mr. Clark? Aye.

13:33Speaker 10

Mr. Deller? Aye. Sam Biller?

13:42Speaker 10

Now I have one minute to relax before our next public hearing.

14:45Speaker 10

hearing on the recommendation for planning to take it once again.

14:51 – 16:07Speaker 1

So application for rezoning for Chanda, Becky, and Tiger have been submitted. To rezone the property owned by Benjamin McMillan from A1 Agricultural to R1 Suburban Residential, the Afghans are proposing to purchase the property and develop a residential subdivision in two phases. The proposed rezoning is consistent with Comprehensive Land Use Plan and Future Land Use Map, which identifies this area for future residential development. The rezoning request applies only to the areas currently zoned A1 agricultural. The portions of the property zoned A2 environmentally sensitive located near the lake will remain unchanged. Applicants appeared before the Planning and Donating Commission on April of 2026 for a pre-application conference and received approval to proceed with a preliminary plot. On May 13th, 2026, the applicants presented the proposal subdivision to the Dickinson County Board of Health, which approved the use of individual septic systems for the development, subject to successful percolation testing on each plot to verify suitable soils conditions for wastewater treatment. On May 18th, 2026, the Planning and Zoning Commission voted 6-0 to recommend approval for the rezoning request with the stipulation that the subdivision be developed in accordance with the Crowning Subdivision Ordinance 103.

16:07 – 16:26Speaker 10

Does the public have anything to say? Does the Board have anything to say? Then I will close the public hearing. for a motion.

16:27Speaker 11

I will make the motion to approve the subdivision agreement for the Bent Tigers.

16:35 – 17:23Speaker 10

I'll second. Mr. Clark is moved. Kim is second. Is there any further discussion? Hearing none, Mr. Clark? Aye. Kim? Aye. Mr. Beller? Aye. Levi? Aye. Okay. item number four is the approval of comprehensive news contract rdg mr clark do you wanna think about that or maybe maybe i don't care uh we met with the uh steering committee do we still

17:24Speaker 1

Yes, the last Friday in May.

17:26 – 18:04Speaker 11

Yeah, the last Friday in May and selected RDG to head up the new comprehensive land use plan for the county. We spent a lot of time in discussion on the three different applicants and a majority felt that RDG was a best suited for the job. So that's who we've selected. I believe Megan has already sent a letter to them. They'll be starting probably sometime in August.

18:07 – 19:31Speaker 1

Charlie and I will be working closely together. And so we'll do a kickoff. So once, since this phase has been completed, you'll are going to, or chair will sign a contract today if approved. And then a new county-based steering committee will begin the process with RDG. That committee will consist of two Planning and Zoning Commission members. Those two are going to be Carol Pierce and Erica Schultz. One person from the Board of Adjustment, which we have yet to meet, so we will go ahead and reach out to those five to see who would like to sit on that. We would also invite one of The 5 of you all to please be on that committee as well. In addition to, I've chatted with Aaron retails director. Um, director of conservation, Jeff rose, the director of engineering and so those 3 will also serve. On on that committee. So those will meet about every, we think, six, eight weeks, possibly. I will have updates from RDG biweekly and keep you informed. But the contract amount for RDG is $102,500. And hopefully that will be completed within the next year.

19:35Speaker 4

Is corridor people going to be first route corridor, are they going to be involved at all?

19:40 – 20:10Speaker 1

So each, there will be workshops or focus groups that come together. So you'll have utilities, you'll have the people that are focused on more environmental, your IGLA, your OPAs, the Spirit Lake Protective Association, that'll be their workshop. There'll be a city's workshops where you invite the administrators or the mayor of those entities. So there'll be a series of different workshops to make sure that those voices are heard as well.

20:14 – 21:00Speaker 11

the short answer was yes but what impressed you the most about rdg i think the fact that they had a uh they were more interested in water quality or i shouldn't say more interested more focused on water quality than anyone else i think You know, when it came down to it, they're all three really good firms. They all had their good points and their bad points, but the ability for them to focus a little better maybe on water quality was what kind of kicked me that way.

21:01Speaker 10

That's good.

21:04 – 21:35Speaker 4

in a different perspective on that. I wasn't able to attend two of the sessions because we didn't announce them publicly at the public meeting halls. So what I had to do was go and more or less interview Megan, Mr. Clark, Mr. Marquardt, and just get their opinions. And that's the same. I drew the same conclusion that it would be Okay.

21:36Speaker 10

Very good. Might I have a motion?

21:40Speaker 11

So moved to approve Rdg as the second work on the plan.

21:51Speaker 10

It's been moved and seconded. Is there further discussion? Hearing none, Mr. Clark?

22:01Speaker 10

Mr. Dollard? Aye. Mr. Buyer? Aye. Yeah, and Bill.

22:08 – 22:22Speaker 11

Megan, do we need to officially appoint someone to that board or just have a volunteer?

22:24Speaker 1

That's up to you all. We've more or less just taken volunteers. But if you'd like to go ahead and. officially do that. That's wonderful, too.

22:34Speaker 10

There's only two for that.

22:37Speaker 11

That's what I was getting at. Which one of you wants another job?

22:44Speaker 5

I can sit on it.

22:50Speaker 10

Okay. Jared's here. So let's go to item seven, approval of deputy medical examiner.

23:00 – 24:33Speaker 12

If you'd like me to start with that, we've, we've, uh, and, and Jared, thank you. Come on up to him if you would. We've had a number of conversations in the last, at least year of challenges that we've had with the medical examiners out of the county. And he is on occasion gone. And when he's gone, uh, Jared and Chad Niemeyer are. medical examiner inspectors who do a terrific job of going out and taking care of the scenes and those types of things. But there are signatures that are required. And what we found out, and I got a call from one of the funeral directors that when there is a cremation that is required, they need a signature pretty quickly. And with the medical examiner out of the county, It's very difficult to get that puts them in a pickle. So in talking with Dr. Olson and all the great work that Jared has done, we've come to the conclusion we need a deputy medical examiner. And Dr. Steve Vanderleest has agreed to do that. Dr. Olson has already made a request with the medical examiner's office at the state level that that happen. They then need our approval to accept that. What that does is always makes a doctor available for a signature. And with the busy schedules that we all have and we're all gone on occasion, it certainly takes the pressure off of Jared. I know in one weekend, there were four deaths and the medical examiner was gone. And Jared, thank you for your work in what you do. Anything you wanna add to any of that?

24:35 – 25:55Speaker 7

Basically, if the doctor's not like yesterday, I had to do one yesterday. So what happens is funeral home will reach out state medical examiner will reach out i they'll call me we'll talk about the death we'll talk about the case make sure that it doesn't need to if there's any suspected foul play or anything as long as i okay like hey talk to the other doctor i called the state and the state will sign the death certificate or the cremation permit that's the big one is the cremation permit especially when you're crossing state lines as you know they require those signatures it's no longer verbal anymore so um one yesterday mark bethel and i took care of it um but yeah dr vanderleest will help in this um in this capacity as well and hopefully he'll get to the mei school in ankeny uh to get that requirement complete so um and hopefully he can help do field calls to when needed like i said we have I mean, I ended up with six total, five total. So it was kind of a busy week last week.

25:56Speaker 12

It helps to have an additional physician that we can obviously throw into the mix that can help with this.

26:01 – 26:14Speaker 7

Those of you might have to call for records and get those started. We don't know what they died of, so they can at least help start the record and get that taken care of.

26:14Speaker 10

Any questions? No one. I'm kind of surprised this hasn't happened before.

26:21 – 26:59Speaker 7

Well, one of the problems is people don't want to be on call 24-7. You know, like when Dr. Olson left, I kind of had to stick around. I'm kind of glad I did because I had one every Friday, Saturday, Sunday, and Monday. So, you know, but hopefully we get, that's one thing I talked about when he's out of town or Hopefully we'll get this text group started soon. I was waiting for Dr. Vanderlees to be approved. So hopefully when Dr. Olson's gone or whatever, we can communicate back and forth who's going to be on, who's taking what.

27:00Speaker 12

Communication is the real key. Let me know when you're going to be gone so we can set up. Because had he been gone as well, we'd have been in a pickle.

27:10 – 27:27Speaker 7

I'd have to turn around. But the big thing is that, you know, working with a funeral home now, I do myself, just too many licenses, too many, a lot of paperwork that needs to happen and signatures need to be done and to meet their requirements and the laws and the code of Iowa.

27:29Speaker 12

I'll make a motion that we appoint Dr. Steve Vanderleest to be our deputy medical examiner for Dickinson County. Okay.

27:43 – 28:34Speaker 7

further discussion m hi levi hi mr dollar hi dr clark hi i'm jared thanks for all your work you bet and then i'll just get the meeting minutes maybe tomorrow or whenever you get them typed up i just have to that up once I get the minutes whenever any signature you need we'll jump and then I will send it down to Ankeny tomorrow terrific all right so good to go thank you thank you thank you oh we we have a resolution for the Tatanta Scott three space five good morning

28:37 – 30:02Speaker 3

So you guys approved basically the same resolution back in 2022 when we applied for the Region 3 CAP grant. We were awarded that grant and that money is coming due, so now we're going to go after some more funding. We'd like to update these. It's been four years, so we'll do another one. The State Retro Grant program is 2.2 miles going east from Lake Fitch-Ashory area. along the old railroad bed. It's a beautiful section of trail that we kind of cleared out in a project over the last year and a half or so. And so it's all been surveyed and we've got many plans about 90% done already. So it bodes well for getting grants in this state that we're at right now. It's funding already there and having it pretty much designed and ready to go. Shall we read it? so every four years the board's supposed to approve these well they'd like to have an updated one so like last year you did the same thing with clay county phase three which we're in the middle of getting that moving forward we did that one in 21 and that's coming due this year as well so we'll get that constructed in 2027. so they asked that we re-up these resolutions okay but then a resolution will

30:04 – 31:22Speaker 2

instead of 20. no so because you're getting new funding that's you know essentially starts the clock okay jordan would you please read the resolution resolution 2026-13 whereas dickinson county has been a strong supporter of the development of the dickinson county recreational trail system and we recognize that recreational trails are beneficial to our residents Well, the Davidson County Trails Board is proposing a recreational trail segment known as Tatanka Scott Trace 5, Phase 5A, along a former Iowa and Northwestern Railroad right-of-way. Whereas the proposed trail will begin at 252nd Avenue in the town of Orleans and continue east to 270th Avenue for a distance of 2.2 miles and through existing trails connect to the entire Great Lakes Trail system. Now, therefore, let it be resolved that the Dickinson County Board of Supervisors supports the efforts of the Dickinson County Trails Board and their application for all grants to which they qualify to fund the construction of this recreational trail, and Dickinson County will provide the local match funds to the Dickinson County Trails Board Development Fund. Let it also be known that Dickinson County will be responsible for the maintenance funding of the trail as administered by the Dickinson County Trails Board and as determined necessary and appropriate by the Dickinson County Board of Supervisors for not less than 20 years from the date of completion of the trail.

31:28Speaker 5

I'll make a motion to approve Resolution 5026-13 to Tantia Scott, Trace Phase 5. Okay, revised move.

31:40 – 31:56Speaker 10

I'll second. Mr. Clark seconds. Further discussion? Basically, if they're getting more money every four years, is that for construction or?

31:57 – 32:28Speaker 3

For construction. So the way the TAP funding works is that it's always four years out. And we've been very successful with that grant program. In fact, we just got awarded $451,000 for the Anglers Bay Trail. So that'll be coming in 2030. We'll do a resolution in 2029, 2030 for some more funding on that. And when you talk about like the 16 years versus 20 years, the resolution basically says from completion,

32:29 – 33:23Speaker 10

of the trail so it's it's the same situation with the old resolution as it is with you so will the county ever be out from under this responsibility probably not public will demand that we keep taking care of them okay we have a motion and a second was there any further discussion hearing none will you buy it aye Mr Clark aye Mr Dullard aye you know aye and Bill was high appreciate your work Eric thank you let's do it you're probably gonna have to die to get out of the real business so that's charged yeah

33:27Speaker 3

That's right. That's coming up. Sure. Thank you. Okay.

33:33 – 34:25Speaker 10

Boarding lots, remember. Number 11. Oh, we are down to rust back into work. County engineers. County engineers. Sorry. Sorry, Russ. First item on our agenda is to through request repairs on BD 62 tile and directionally forced repair, which I've estimated less than $1,500. Motion to approve. Kim moves. Second. Mr. Clark, second.

34:25Speaker 1

Further discussion? As there is none, Kim? Aye. Mr. Clark? Aye. Levi? Aye. Mr. Dullard?

34:34 – 36:09Speaker 10

Aye. And Bill Woodside? Second. I have today's approved request for repairs on DD2, Main Ditch, and Direct County Forest to complete repair, which I'm estimating to be less than $1,000. Motion to approve. Mr. Clark moves. I'll say Levi seconds. Further discussion. Hearing none, Mr. Clark. Aye. Levi. Aye. Mr. Dullard. Aye. Kim. Aye. And Bill is aye. Thank you, board. I have number three to approve. Just have discussion on bids received for the Lake Park shop. This building improvement will be needed this year, 27 of the year. I provide you a bid tab when you receive three bids. First bid that was received was from BEI, Spirit Lake. They gave a lump sum fee of $226,500. The second bid was from CMBA of Spencer, and they gave a percentage of the construction cost of 6.8, but based on the $3 million estimated cost, they came up with a price of $228,373 and some change. And the third bid that received is from FEH. They also provided a Percentage of 8.6, but the range was 2.5 to 3.5 million. So I assumed $3 million estimate on there is just to kind of compare everything together. Uh, there'd be with 257, 879, some change.

36:09Speaker 12

Right now you're just looking for the engineer.

36:11Speaker 10

Right now we're looking for an architect to prepare plans and we'll come back plans in the bid tab for the truck.

36:21Speaker 12

I'll make a motion to accept that engineering means there's a low bid, 226,500. Givens moved.

36:31Speaker 10

I'll second.

36:33Speaker 1

Mr. Dullard second. Further discussion?

36:37 – 37:12Speaker 10

Brad, I appreciate you not putting down a percentage. That makes it a guessing game for our engineer. Is there any further discussion? Hearing none, Kim. Aye. Mr. Dillard. Aye. Mr. Clark. Aye. Levi. Aye. And Bill. Thank you. Thank you. Okay. Now we are down to 14, Russ. I've got one more update.

37:12Speaker 9

Oh, you've got one more.

37:13 – 38:25Speaker 10

At the bottom of my agenda there, I'm going to update some of the maintenance projects that we've been working on. Growth counties MP 26 oblong was practically done kind of the eastern portion of the county that's been completed by denco already. project number two. put a new intake in more lake park on this one it's been a word carny for an excavating. project number five is a tile board on the 1.7 block it has been awarded to back the structural drilling. i'm 96 here we have three fever dams are called but i think two more just more of the green reflections or windows of the fever dam does also work to carney drainage and excavating and then up by our spray lake shed we have a tile that needs an outlet so we're trying to get that across the road that was all towards the car and drainage next week and all the works and within that's all i have to say thank you yep We're looking to approve. I'll second. Clark moves. Kim seconds.

38:26Speaker 3

Do you need a motion on this?

38:28Speaker 12

No, it's an update.

38:29Speaker 3

Just updates.

38:30 – 38:42Speaker 12

Just updates. Can we get one more update, I guess? I drove down to take a look more at Lower Gar. Okay. I see that the bridge part is done. Now, is there an estimated time of when the road will be open?

38:43 – 39:07Speaker 10

From what I've been told, Bain Bridge is hoping to be in today. Ray's been working on getting the sub-base prepared. Bainbridge will come in, put in the backfill material, and then pave it. We're shooting for hopefully right before July or just right after July. And it won't be open until probably the end of July? We're hoping to be open by that time. And the end of this month, first part of next month, it'll be open.

39:10Speaker 11

Thank you. What about M56?

39:13 – 40:17Speaker 10

And 56, uh, we're currently, uh, being delayed because of supplier, uh, issues. Uh, they're projecting July 8th or July 7th or 8th for the closure to replace. Any progress on a 43 bridge. They poured the last apartment last week. And now they're working on the false work to get the deck and the seal put together on schedule this fall. You get that done. i'm hoping i think i'm estimating by energy end of august be open that'd be great that'd be great if it was open before harvest i agree yes that's kind of been my goal but at the mercy of god okay i know you are are we done yeah sorry well we buy when you get great kids you're gonna enjoy playing with all beavers in your face I'll have my own beaver farm. Okay. Now can I have Russ?

40:19Speaker 10

Okay. Russ, I've been anxious to hear how much less our insurance is going to cost this year.

40:26Speaker 9

You know what? That is exactly what's going to happen, or has happened. Good man, Russell. And do you know why that happened?

40:33Speaker 12

Because we have a low mod factor.

40:35Speaker 9

That's exactly right.

40:37Speaker 9

And remember I told you that the light was at the end of the tunnel in the appearance world?

40:41Speaker 9

No one this year has had a heart attack or passed out when I told them what's happened.

40:46Speaker 12

So I got all good news finally.

40:48 – 43:26Speaker 9

Excellent. But she's still back there. Good job. Your mod's down to 0.63, lowest I've ever seen. Yep. I can't get any lower. Awesome job, lady. a bonus would you yeah because you'll see in here that it's saving you a chunk of change excellent and i do i do mean it sincerely that lights at the end of this tunnel we are actually in back to the norm as far as rate increases changes all the things that uh go into would you that go into the rating mechanism and all that good kind of stuff. But let me grab my stuff here. But there hasn't been a lot of drastic increases or anything on the... Did I give somebody my office copy? Somebody got one with a bunch of chicken scratching on it. Here it is. I was going to say, uh-oh, I don't know how to talk without my nose. All right. Not a lot of real changes as far as property values this year because the inflation increase this year is 2%. So that's a good sign. Remember when it was 15%? And they had to make a bunch of adjustments in building values. So not only did the rates go up, they went out and did assessments of buildings. And some of the buildings went up a million bucks. So I think everything's up to date. Plus now what they've done is, for example, I use a motor grader because you've got a lot of them. And a motor grader usually costs $248,000. Now I think they start at $480,000, right? So because a lot of the things, which we'll talk about here in a minute, are insured at replacement costs a lot of things had to be brought up to date so the premiums went up substantially when they started doing that but your county people have done a good job and we've kind of kept the values up and we didn't meet with too much resistance they don't know close enough is good enough well they i can't come out and say no now you don't have a choice we want those up there not that you're going to lose an entire motor grader But maybe a mouse makes a nest on the exhaust manifold and they take off down the road and the fire starts and you've got a $30,000 claim. Well, you've got a $30,000 claim unless you're deductible, as long as it's at replacement cost.

43:27Speaker 10

Otherwise, they're going to take depreciation in there and you'll get 50, 60, 70% of the claim paid unless you're deductible.

43:33 – 43:54Speaker 9

So it is a good thing. But anyway, with all that said, this year you're Total exposed premium for building and contents, $43,665,026. And last year it was $42,808,849. So that 2% really helps because guess what?

43:54Speaker 10

That 2% adds to the bottom line premium.

43:57 – 45:10Speaker 9

And of course, valuable papers still at $400,000. We got miscellaneous scheduled properties. Total this year, $12,276,376. Last year it was $10,973,477. And the good thing about the unscheduled property, which is at $259,668 this year, they increased the limit for any one item from $10,000 to $25,000. You can't really buy a lawnmower anymore for under $10,000. So they raised that limit to $25,000. And believe it or not, there's a time or two, you get a new lawnmower, a new piece of equipment for $19,000, and you forget to tell me. That's what? A $25,000 limit. That's the good old boy clause. And so if you happen to forget to tell me one, not a problem. It's going to be, as long as it's under $25,000. And then, of course, we've got our crime coverage, $50,000. We've got the bond, which we have a blanket employee bond of $50,000. Then we got excess over the treasurer of an additional $50,000 for $100,000. And that one actually renewed in January, paid in January.

45:11Speaker 10

Now the good news.

45:13 – 53:10Speaker 9

Work comp. Work comp, the experience bond last year was .84, and this year is .63. Again, that's the lowest I've seen. And your payroll is up from $6,924,008. to $7,230,275. So two things. Your work comp, when we get to the premiums, you'll see what the difference is in a work comp premium. Even though you've got a considerable increase in payrolls, your reduction's huge. Automobiles, we had a $10 million limit of liability in your comprehensive deductibles, $350,000, your collision, $1,000,000. And then because I'm kind of a nerd, I thought it would be interesting to see how many of these vehicles are actually cars, pickups, and trucks. You have 52. And which ones are trailers? You got 20 of those. ATVs, UTVs, snowmobiles, motorcycles, seven. Motor graders, 11. And the reason I put motor graders in there is because on your motor graders, they have a mobile plate on them. So Iowa law says they have to have automobile liability. So on the 11 motor graders, your physical damage is on the schedule, but your auto liability is on the auto schedule because they don't use the competent collision like a automobile or a mobile piece of equipment. So that's insured on the scheduled items. And of course, your liability, $10 million, and that includes any of the boards and township members, commissions, et cetera. It's all inclusive. Public officials are on full acts. Again, with ICAP, I'm gonna stop for a minute. With ICAP, if you have a limit of liability, your minimum is $2 million, okay? So that would be general liability. Any liability other than cyber liability, you've got a $2 million base. then your excess liability that you buy adds on top of it so you've got an eight million excess so all coverages other than cyber liability is 10 million whether it's car whether it's public officials law enforcement doesn't matter so um wrongful acts is uh unfortunately one of those things we're seeing a lot of claims and uh uh it's on the decisions that the board or the zoning people or whomever make. And of course, one of the biggest costs in that is representation and attorney bills. And so that's one that is beginning to go up, kind of like cyber liability. It's beginning to go up because we're seeing more claims. Law enforcement liability, the $10 million, and a cyber liability is a million. And we go to the premiums. Property, $310,219. Last year, it was $293,524. Your bond was paid in January, and that was the same as the prior year. But here's the good news, and we'll talk a little bit more in depth about this. Last year's work comp premium, $59,054. This year, $35,915. Huge. The only insurance that you can help control the premium is work comp, and it's thanks to the safety team the the uh department heads keep preaching safety safety safety because it does affect your premium a lot up or down and you're on the good side because you you went down in that mod which is awesome um also anytime the safety people are in town um we have found that Most entities welcome them there. They're not there to critique and to yell and scream and tell you you've done something wrong. They're there to help you work through it so people don't get injured and hurt. And I believe the ICAP crew does an excellent job of doing that. In fact, they're in town today. I think they're going to be with the county people tomorrow morning. They're at Milford this afternoon. They're at another place this morning. they're up doing what they're paid to do. Okay. General liability, that's all based on your budget, 96,326 last year, 102,106 this year. Public officials, wrong flags. Like I said, it's kind of getting to be a frequency of claim thing. It's just not any one entity, it's all entities. And 39,927 this year, last year it was 28,704. So there was a bit of a bounce there. Law enforcement liability, 36,807 last year, 34,120. Excess liability, there's more large losses coming in. And so excess liability premiums are up a tick. Last year it was 49,487, 54,87. 54,087 this year, and cyber liability last year was 10,943, this year 11,949. So with everything, the bond that was paid in January, the work comp and ICAP, your total expenditures this year, 667,185. last year they were now granted there were some changes in payroll and things but as far as what you spent last year um 678 639 so you've got a pretty good decrease of about 23 139 on the total excuse me um not quite that it is the 23,139 is a decrease in the work comp and your property at ICAP, 11,685. So you're like 1.9% increase on ICAP and you're a 39% decrease on work comp. So like I said, to me, it is all good news. And in your package, you've all got the statement of values. It's going to tell you everything about The buildings, what they're insured with, the business personal property, your miscellaneous scheduled stuff. There's quite a few pages in there. A list of all your autos and mobile equipment that had to be insured. But let's go. Now, right now on your autos and things, you have a $350 deductible, 10,000 deductible collision. on your building's business personal property and the scheduled items you have a thousand dollar per claim deductible now with that being said there is it was all companies do this when you have a wind and hail claim it is a two percent deductible so what that means is it's not two percent of the claim If your building's insured for $100,000, it's 2% of $100,000. Or if it's a $3 million building, it's 2% of $3 million. Now, when you have wind and hail, normally just not one facility or structure gets it. It's a little more widespread. And if it would happen to be a hailstorm, a windstorm, wherever it might be and be considered a catastrophic wind and hail event by the insurance service office, And that limit is a $25 million. And it just can't be one building or, you know, one community, which if that happens, I guarantee you, it's going to be Lake Park.

53:10Speaker 10

It's going to be Milford. It's going to be Sparrow Lake. It's going to be Okoboji.

53:15 – 1:01:01Speaker 9

So when they do that, also attached in there is a deductible sheet. And it's called wind and hail deductible. And it looks like this. And I've got an area circled in there. There's total insured value is $64,578,717. And you fall in that $50 million to $999 million category. So in the event of a catastrophic claim, 2% gets capped at $300,000. So your deductible would be $300,000. Otherwise, take 2% times $64 million. There's a substantial cap there. And Megan was hoping she's got a prior commitment over in Sibley this morning and didn't know that she'd get here timely because she wouldn't get here until about 11. And I said, yeah, the party will be over by then. But that is her little brainchild. And so she got the reinsurers to go along with it, which if you've ever had a catastrophic claim, that can be huge with 2% deductible. So that'll save you a lot of quarters, nickels, and dimes if a catastrophic loss. We hope it don't, but it does happen. So we hope it don't. also in there i have included some additional quotes and on the property this would be all property instead of having your thousand dollar deductible which the premium is 310 218 uh if you change it to a five thousand now remember if you have a uh claim it's $5,000. You got three buildings that got burnt because they're side by side by side and there's contents in there. The highest deductible applicable to 5,000 wouldn't hail a different story. But with the fire or vandalism, it's a $5,000 deductible or a thousand, whatever you purchase. But your premium if you went to a 5000 and all property 307876 for a savings of 2343 you go to a 10,304 542 your premium saving of 5,677 the way that i've always looked at these is, if you take your. Current premium, and if you can save enough in three to five years, probably a pretty good buy. Really good buy if you get less than three years, and it's still a good buy if it's less than five years. Well, if you take $4,000 and you're saving 2343 of today's values in less than two years, you're broke even if you have one claim every two years. Now your auto claims could probably your biggest frequency of claims or possibility of claims, but your, um, fire vandalism, those things that could happen. I don't recall the last time you ever had one of them. The only thing I've ever recalling is wind and hail and some water damage. So, and the water damage would have been, you know, your thousand dollars deductible, or if you would add 5,000, it would have been five or 10, if it was 10. So I just throw that out there just for, because I guess my thoughts are, you know, 100 bucks don't go as far as 100 bucks used to. And so, you know, today's deductible at 5,000 is probably like having a $1,000 deductible. six or seven years ago because of the cost of everything. So, and then the other thing on the auto physical damage, it's down there, your current premium at $46,032. You could save $1,974, but you'd have to go up to, that's a 2,500 collision, $1,974. Looking at that, it doesn't look as sweet. So, food for thought. You don't have to, you know, raise it, but I always like to give you the options so that you know where, you know, what's available out there. Then I also have included the IMWCA working on there. And what that tells you is what your payroll is by the various work classifications. And yes, some of the help this year was a lot of the A rate per 100 went down as far as the cost of each individual class. Some went up as tick, but the good news is if you look in the middle of the page, it talks about the IMWCA work comp coverage. Longevity credit, they're given 8%. Your loss experience credit was 16%. They increased it to 25% because the loss experience is excellent. We've got large premium discount of 11%, total discount 44%. Last year it was 35%. Slide over to the work premium calculations. Note the pure premium without any discounts or your experience mod, your premium actually is $126,678. Because of the experience mod dropping to 0.63, down from 0.84 last year, which 0.84 is still good, but 0.63 is phenomenal. Um, we have a premium, uh, discount of 79, 8, 8, 79,808. And then of course you've got your IMWCA discount and discount it down. Plus the good bonus experience. It shrinks that premium from 1 26, 678 to 35,915. That's huge, huge. So. Encourage your safety crew and department heads, keep up the good work, you know, cause that saved me a ton of change. And also because I said earlier, a hundred thousand dollars doesn't go as far as it used to. And, um, you have a $10 million limit. You're definitely, you know, um, at the top of above average, you know? But it is my job to let you know that if you want to buy higher limits, we can go as high as a total of 15 million. And so as you look at the bottom of the chart, where it's talking about the excess liability, remember that the first two is the base and you have an 8 million excess and you don't replace What you do is you don't add the, you look at the first one there, 9 million excess. It's not 55,249 added to it. We take out the 8 million of 54,087. That's really only a $1,162 increase raising your limit from 10 million to 11. And as you slide on down to the very bottom to go to, um, 13 million excess for a total of 15 million, it's 5,249. And so when you look at that, the best bang for the buck is buying liability. And, but it's strictly up to what your comfort level is. Is it time to bounce it up? Cause I'm sure Bill, you remember when that was bounced up, Paul was still on the supervisors and he wanted it up to 10, and you voted to do that. But I bet that was, I lose track of time, but that was probably eight, nine years ago, wasn't it? Yeah. I could look it up.

1:01:01Speaker 10

I bet it's been gone now a while.

1:01:03 – 1:02:25Speaker 9

Yeah, it's been gone quite a while, and he's the one that made that motion. So I guess it's strictly a comfort level, and it's also an affordability level. And I can't tell you how much you're going to need until after the gavel's dropped in court. I have no idea. And it's whatever you decide. The changing of your excess because of reinsurance reasons, you would have to make a decision. I won't say you had to do it today, but if you're contemplating it, we got to know so that we can revise the renewal and set the reinsurance by July 1. which is, you know, about eight days away. So I don't mean to put anybody on the spot, but I think every year we kind of talk about that, but that's one of the things that concerns me is you see some of these hellacious judgments and you think, what in the world happened? Of course, a lot of these that are ridiculous, they get appealed, but it's still, you know, you get slapped with a $50 million suit, you got 10 million, oops, but 15 would just be a $5 million lawsuit. And normally, you know, that first judgment kind of gets whittled down a bit, but you don't know until the gavel drops. Any questions or concerns?

1:02:37Speaker 10

played it out pretty well again.

1:02:42 – 1:04:20Speaker 9

Try to do it. But if anybody ever has any questions or concern, please let me know. I'll be glad to visit or stop in at the office or if need be, I can sure come back and visit with you again. And it is my opinion as an insurance guy, ICAP is the best fit for municipal business because you're part of it. It's not the shareholders that are making profit off of it it's your profits holding your premiums down and so and the other thing I've learned is that what when when um losses get a little colorful which means a lot of them whether they're big or small because we know that small claims breed big claims so the big one's coming and ICAP is very good in their loss control people working with you and saying hey we never cancel anybody we don't intend to cancel anybody and we want to work with you let's figure out how we can get this some of us just don't want you know that these claims come in maybe just bad luck but there are other ones that maybe they can help and we can avoid some of the slips falls and the various things And so also I know that you can call for their legal services and they put you, you've got all those numbers, I think, or if I can get them to you. And you can call in and talk to the expert attorneys that handle these day by day. And it's free of charge. And I believe it's, don't hold me to this, but I think it is, it's either two or three hours of time.

1:04:20Speaker 10

And, but a lot of times it's a 15 minute phone call and here's what you need to do or here's what you think. So you can use that legal service as well.

1:04:30Speaker 9

Otherwise, thank you very much. Appreciate your business. And keep up the good work on the safety.

1:04:39Speaker 10

Thank you, Ross. Thanks, Ross. Thanks, Ross.

1:04:46Speaker 9

I'm going to leave this with you.

1:04:47Speaker 10

If there are no changes, this is all right.

1:04:55Speaker 9

James Meeker & That she needs to sign that, but if they want to increase anything between now will this is paid, let me know, because I have to revise this yep reason for being.

1:05:05Speaker 10

James Meeker & Is. James Meeker & This one back here tell. James Meeker & Not a problem.

1:05:14 – 1:06:09Speaker 12

James Meeker & i'm always concerned about liability. James Meeker & Just something I think we serve somebody should take a look at. Um, if the 10 million was decided, I've been here eight years, Mr. Johnson was here prior to that. So, you know, everything goes up. What I learned over the years is the more you have to lose, the more they're coming after. That's the other side of that bracket. But I think to protect yourselves, I'm not sure 10 million is where y'all want to go with it. This is a lot. You two are going into the future here, what you wish to do with this. We're very fortunate that we've got department heads right now that are doing a great job with safety. We've been on the other end of that. We had some claims a few years ago where our insurance costs were high. And ICAP is the only game in town, to be quite honest with you.

1:06:10 – 1:08:20Speaker 9

Well, here's what happened in 19... ICAP was formed in 1986. And the reason they were formed in 1986 is because the... insurance companies come out and we're losing big time on municipal business. So they canceled everyone, I should say everyone, but those that were colorful, they got rid of. And guess who was colorful? Dickinson County. ICAP come in and I believe it was probably Ken Bilbrey at the time. He came in and said, here's a new concept. Here's what we've got. Blah, blah, blah, blah, blah. And I worked for Brand X back when they were canceling everybody, by the way. And so with that, happening, ICAP was formed. And because it is a pool, not an insurance company, you have advantages. And I guess I'm a creature of habit. So I call your stuff premiums. They're actually called contributions because you're part of the company. So any profits helps stabilize or reduce your premium or it provides you additional benefits in coverages and again it's because you're a part of them they come out and work with you not against you to get you back up and clean up some of maybe the things that they can clean up and then hope that the uh luck is on the other side and it's on the good side inside the bad side But things do run in cycles. And back in, let's see, this is 26. Back in 2023 is when hyperinflation, I believe, started coming in. And of course the insurance companies all set their rates and they can't change them for 18 months to two years because of the process they have to go through. That's why you've seen the 30, 40% increases annually is because they were paying claims on, A 2025 claim that had rates that were set in 2023 or 2024 and the 30%, 40% increase in raw goods and labor got a raise in prices.

1:08:21 – 1:08:32Speaker 12

Well, I think you see more and more insurance companies, instead of replacement value, are going to depreciation value, which concerns me drastically as well. That's a huge thing.

1:08:32 – 1:10:42Speaker 9

They're going to actual cash value. They're going to a cosmetic endorsement, which most carriers are doing that. have a metal clad roof you have a metal clad building and it's a dimpled darling and it don't leak the integrity is still good but it looks like a dimple darling guess what they're not going to pay for that it's excluded and so yeah that's getting to be a real problem but i've been around long enough the way insurance used to work when back in i started my first insurance job april 7 1977 and back then actual cash value was the deal And in 1979 and 80, things really kind of went just like they did four or five years ago, except it was on steroids four or five years ago compared to what they were in the late 70s and early 80s. And the insurance companies then had rapid increases as well, but they leveled off. And then the insurance companies in the late 80s and 90s were making a lot of money. So guess what they did? They started adding all the goods and services, replacement costs, guaranteed replacement costs, cosmetic damage coverage. And, I mean, it was a maintenance policy. And it had been that way up until about three years ago. And Kim's absolutely right. They pulled their horns in. They raised deductible. And, you know, there are companies that they are going to base your deductible on your home based on the value of your home. So if it's under $250,000, they will allow you. a $2,500 flat deductible. And if it's $500,000, it's $5,000. And if it's $750,000, it is $10,000. And so on. Some of them just say, no, $3,500 flat deductible and higher. That's all you got available. And hard to explain that to people when they've had a $500 deductible for 40 years. And some of them are going to percentage deductibles. So if your house is insured for A half a million bucks, you got a 1% deductible. That's 5,000. Or if it's 2%, that's a $10,000 per claim deductible. And you're risk-covered in actual cash. Commercial's no different. It's just a bigger number.

1:10:46Speaker 10

I think the deal is we've got five days that we're going to raise this.

1:10:53Speaker 12

I mean, we can discuss it now, though, I think. Decisions would be the right time.

1:11:00 – 1:11:29Speaker 9

i think and this liability again and we're seeing more and more suits it's more and more and the suits folks that are the suits that i see in this area obviously there's slips and falls because people's having too much fun those slips and falls aren't at 9 30 in the morning we're seeing more and more uh law enforcement liability and we're seeing more and more public officials liability

1:11:36Speaker 10

All we're discussing is excess liability.

1:11:42Speaker 12

I don't think we're going to change anything with the insurance policy itself. Obviously, the rates are great. We know we've got a great policy.

1:11:48 – 1:12:51Speaker 9

I think we all approve of that, correct? As an insurance guy, my biggest concern in anyone's coverage is that limit of liability. Is it enough? This actually happened. I have been an independent insurance agent for 30 something 26 and seven for 33 years. I have had two umbrella claims in 33 years. That's a good thing. But the two claims that I've had been in the last three years. where before you may have turned it in because you think, well, this could be a possibility. So you put them on notice, but I've only had payments twice. And guess what? Whatever that umbrella limit was, that's what they got paid. And one of them wasn't even the guy's fault.

1:12:51Speaker 10

He got home count, so to speak. Curtis, you had a question or comment?

1:12:57 – 1:13:58Speaker 6

I think with rising insurance costs, many of us have had to take a hard look at our own insurance. come to the determination that we had to self-insure some things, like getting our deductibles maybe higher than we've had historically just to keep our premiums down. And when this gentleman says that we can get on some of the property liability policies a payback of less than two years for increasing our deductible, I think that's a prudent measure that we really ought to seriously consider. And with respect to the actual liability caps, Yeah, I have no problem with people wanting to insure, you know, as much as, you know, for the risk that we think we need. But when it comes to the self insurance part where you can have a higher deductible on the voter end, I think it makes sense if you can get a payback in less than three years, like you said, we ought to take advantage of that, save that money, use that money to pay for then higher policy limits.

1:13:58 – 1:14:19Speaker 9

If you would go to your $5,000 deductible, other than remember we got the wind and hail deductible of 2%. But if you would change your current property deductible to 5,000, you would get the first 2 million increase from 8 million up to 10 million, basically for a wash.

1:14:22 – 1:14:36Speaker 9

And so then if you went up to the 10,000, it would be actually saving $400 If you went to the $10,000 flat deductible. So it would be worse there basically in the scheme of things.

1:14:36Speaker 12

We had no claim in two years.

1:14:39 – 1:15:07Speaker 9

Yeah. I think that's, but here's what happened to one entity. They raised their deductible up on their comp and their collision. And two days after the renewal, they had a little fender mender. And about three days later, they opened the door of the truck and the wind was blowing and it took the door in about a, I don't know, $1,500 repair bill would have slammed the door and try to tear it off. So that's the dumb things that can happen. But there again, that's bad luck.

1:15:08 – 1:15:19Speaker 5

Are you, are we talking like if there was a law enforcement incident, something unfortunate happening, this would cover that as well.

1:15:19 – 1:16:09Speaker 9

Yes, your law enforcement liability. If someone thinks that they were wrongfully arrested or they were physically abused or I mean, I've seen some really strange things, but yeah, that would take care of the protection for the Sheriff's Department in the event they were. Shoot for wrongful arrest or police brutality or whatever you want to call it. It seems to be a target. Very recently. It is not Dixon County, but we see more and more of those even in Dickinson County. We're seeing more and more move into Dickinson County. Right. Well, yeah, everything, you know, it's kind of like trends start on the east and west coast and they move in and they go back out. It's coming. If it's not here already, it's coming. It actually is legal.

1:16:09 – 1:16:51Speaker 12

So I guess what makes a lot of sense is that we would change our property deductible to 10,000. Because in two years, if we don't have any, obviously, we'll save it. If we do, we learn. But if we do that, that $5,600 savings could go towards upping our liability to $15 million, which is $5,241. We're actually going to be a little bit less, about $400 less. Makes sense. It makes sense. Like Russ said, be prepared in a month. Instead of $1,000 deductible, we have $10,000 deductible if something happens. You guys need to know that.

1:16:51 – 1:17:22Speaker 9

Well, and here's the other thing. And Lori is fantastic, and her crew is fantastic to work with. And I will almost guarantee you, Lori's probably got that cushion built into the insurance premium because it's actually come in lower than what I even expected it to be. So I know she's got, you probably know this too, but I bet you she's got a pretty good cushion built in there. So even if you went to a $10,000 deductible, she's still got some funds in there. I would guess it will be not used because the work comp come back a whole lot cheaper.

1:17:23Speaker 10

I thought it would.

1:17:28Speaker 12

It's happened once. What are your thoughts? I'm throwing that out there. What are your thoughts? Awesome.

1:17:38 – 1:18:14Speaker 10

sounds like we need to make that decision move forward with it i'm comfortable with that i think it's the right move for you you know i think how the state is putting limits on our funding with that the state's putting limits on our fund if we do lose a roof or something or have a big lawsuit or didn't get the money covered it's over So now are we talking excess liability or are we just talking property liability?

1:18:14 – 1:18:41Speaker 12

It's a trade-off. If we do the property deductible, go from $1,000 to $10,000, we save $5,600. Okay. If we go from $10 million to $15 million in excess liability, the additional cost is $5,200. So we would actually, by doing those two things, we'd save $400 in premium. But understand, your deductible is going from $1,000 to $10,000.

1:18:41 – 1:19:20Speaker 9

And the only thing that deductible you got to remember that is affected on this change is any wind and hail is a 2%. So that doesn't change that. But let's say vandals come along, and they shoot all the windows out in the courthouse, and they hit three different places in the same night. Shoot them up. Guess what? You have a $5,000 or a $10,000 deductible, period, on all those locations. So it's not like this building's 10, that building's 10, that building's 10. It's all. And if it's wind and hail, it doesn't matter. The deductible doesn't matter because it's still going to be the 2%.

1:19:26Speaker 10

I'm good with that. Let's have a motion.

1:19:31Speaker 12

I'll make a motion that we change our property deductible from a thousand and $10,000. And we up our excess liability from 10 million to 15.

1:19:43Speaker 9

No excess liability would be moved up to 13 million, which I mean, yeah, there you go. There you go.

1:19:50 – 1:20:25Speaker 10

I was wondering, sorry about that. Would you make the total 15? Gotcha. i'll second that okay kim has moved we might second it further questions are coming my comment would be this board is supposed to protect its citizens and this is one way to do it however russ in the future please give us more than five days

1:20:27 – 1:22:51Speaker 9

I will try to do that and put you on. I, I hope to be here two weeks ago, but guess what? I got the renewal on Wednesday, not before I should have had it the week before our. Cause it takes me about three days to, I mean, it doesn't look like much when you have it all in a nice little summary. But that takes a little while to get processed and get it printed out. But anyway, thank you very much for your business. And I always try to shoot for the first meeting of the month. And the reason I do that is for the very reason, maybe you want to think about it, discuss it later. But unfortunately, a majority of all public entities renew April 1st and July 1st. And I will say that ICAP has got an outstanding crew. They changed some of their processing procedures in this upcoming year or in the past year, I should say. And so they have a person all say do as counties of a certain size. So they know the needs, the wants and everything. And they have people that use do the small city say of 2,000 or 2,500 or less. They have people that do nothing but fair boards and sanitary districts. So they're very good at what they do. And it doesn't take them long to, when you send something in or have a concern, bam, bam, bam, they get right back to us. And in the future, their processing is getting a little bit better. Plus, they've entered into a, I don't know, management agreement or whatever they want to call it with a place called Accresure, which has sped things up as well because the processing is a lot more efficient than it used to be. keep in mind june july and august we need every other week right so right and so it might be such a thing if things would work out bill um we could do it in june it doesn't matter because the rates are what they are there there's no monkey business with these rates it is what it is and the same exposure in uh uh clay county and it's the same rate as it is in dickinson county It is what it is. Yep. Thank you all very much. I will get this revised and get it up to Lori's office. We'll have a motion. Okay.

1:22:52 – 1:23:09Speaker 10

And a second. So Kim and Levi have moved and seconded. We've had some discussion. Is there anything, any more discussion you want? If not, Kim? Aye. Levi? Aye. Mr. Clark. Aye.

1:23:10 – 1:23:25Speaker 9

Mr. Dullard. Aye. And Bill Woodsock. Thank you all very much. And anytime you've got any questions, you just holler and I'll be glad to sit down and visit with you. Thanks, Russ. Thank you. I'll get this to your office probably tomorrow.

1:23:25Speaker 3

Thank you very much.

1:23:26Speaker 3

Have a good day. Okay.

1:23:28Speaker 10

Down to 15. Rainage levies.

1:23:38 – 1:26:15Speaker 2

So every year we go to levy or drainage districts for all of the repairs, anything that's been approved throughout the year. So all of the districts that are in a negative amount, we need to collect the money, which we always do on the property tax statements. So this year, I mean, all of these have been approved before. It's just finalizing everything. We had a total of $398,046.50. The total after the levy, which usually includes a 10% of the original assessment, as well as a $5 administration fee that we had on that came to $461,709. Those districts are DD5, DD5 Branch 126, DD15 Main Tile, DD 15 branch 6, DD 15 branch 8, DD 23 branch 236-84, DD 25 branch 48-9, DD 28 upper, DD 76, DD 19 main open ditch, DD 19 main tile, DD 1 main, and DD 6 branch B. I am going to look After the approval of the engineers request for repairs as well for 62 and 2, I may be adding on a little bit to those for a levy to make sure that we stay positive in those accounts. I did send out waivers for DD 19 main open ditch just ahead of time. We aren't doing the completion hearing until July 14th, but I don't want to have a whole year of interest accrued on top of that. So we have those sheets sent out to the landowners that an individual parcel that is above $500. we're able to uh the landowner can waiver on those to a amount that is set our term that is set at the completion hearing which is no less than 10 no more than 20 years at a interest rate that you guys approve which normally is about 5 at 10 years we try not to go above 10 years because then by that point there's another project going on and it's just more funds needed at that time so Um, I am able to allow half payments, which I did allow half payments on DD 25 branch 48 dash nine was, which was the project of the reroute tile around that acreage. So I do have a half payment. So half will be due in September and half will be due in March, but all the other ones, they will all be due in September.

1:26:20Speaker 11

We have a motion motion to approve the drainage assessment schedule. 2026.

1:26:27 – 1:26:51Speaker 10

Mr. Clark is moved. I'll second. Mr. Dullard seconds. Further discussion? Hearing none, Mr. Clark? Aye. Mr. Dullard? Aye. Levi? Aye. Kim? Aye. And Bill? We are now down to number 16, general discussion board and committee reports.

1:26:51 – 1:30:26Speaker 12

Kim? At Hunger Coalition meeting, we're supporting the community table event that goes on at the Methodist Church. Pantries continue to be busy. Lake Park served 63 families and 152 people. Milford served 110 families and 249 people. This does include Terrell and Superior, which we've now started to serve. Upper Des Moines continually provides food for 103 families weekly. Good News saw 97 families. Spirit Life served 41 families and 70 people, and they fill in for Upper Des Moines when they have that one week off that they are scheduled to do. They saw 39 households and 69 people. We continue to do our best to try and meet the needs of folks that have insecurities with food. As Russ was talking about, we did have a safety meeting. Many of you I know were there. In fact, all of us were there. But a number of participants from different departments came to that session. Lenzi Cracked, our SHIELD director, is really in charge of what the safety is going on there. Beth is in charge here. We had sessions on a lot of different things about safety, as well as a de-escalation session that kind of tries to help us deal with those folks that are upset. At a SHIELD meeting, that's safety, health issues, employment leadership decisions. We talked about workplace safety trends and compliance. And I can't say thank you enough to the department heads for doing a really terrific job by continually talking safety and making sure our trainings are up to date and those types of things. We're in compliance. We do have all of our required training scheduled, so we're doing well there. Had a number of meetings, as we talked about a little bit earlier, with Jared Fisher and with Dr. Olson about getting a deputy medical examiner. I believe this is really going to be a move in the right direction. to help us and take the pressure off of not just our medical examiner inspectors, but also our funeral homes so that they know that we've got somebody that's here that can answer the call. Food was delivered to Terrell and Superior this last week, 60 families for those two communities. Had a wellness team meeting this morning. We need at least 80% participation in our online self-assessment physician wellness physicals to achieve Our 5% discount, which last year was about $87,000 savings to the county. I can't say enough. Employees, please, please, please set your physicals as soon as you can. Meaning today, someone went in yesterday to set a physical and they couldn't get in until September. This program ends October 31st. So please make an appointment to get your physical done. We are on track where we were last year. It's a little slow. But we certainly need to get things going again, and we need to have kind of one of those luncheons that we do in the late summer to make sure we get everything done. It's a huge thing for us to have that kind of savings, and it means a lot just not to our county, but to each employee for the savings that we keep. It also looks like we're going to have a department head meeting July 8th at 9 a.m. Those are important to go to as well. We can kind of talk about the things that are happening within the courthouse and any concerns or questions that they may have. That's what I've got. July 8th. July 8th. That's a Wednesday at 9 a.m.

1:30:27Speaker 10

Yes, correct. Are we all to be there? I will have to. Well, they'll have to announce it.

1:30:35Speaker 12

Yeah, I suppose. Everybody wants to go.

1:30:40 – 1:33:21Speaker 4

Mr. Dillard. Yes, sir. On the 9th, as Kim mentioned, I attended the Hunger Coalition. On the 10th, I attended the BFW meeting. There was a lot of discussion on Memorial Day, what went on with the, especially on the flags. They're talking about adding storage. They've taken over from Carroll, and now they're pretty much storing the flags up here. They have control over that. GFW has taken a lot of that. And a lot of their discussion was on like the flags repair, increasing flags, who does what and where and when. And I think they came to a decision that they're going to put the flags out every year, regardless, rain or shine, the flags are going to on Memorial Day, and they said that also they got great assistance from maintenance here. On the 11th, we all attended the safety and de-escalation training. On the 12th, I attended the Dickinson County Taxpayers Association, their annual meeting, and that went well. I had a very good speaker. He spoke a lot about rights. 2015 mr clark mr marquardt and i attended the planning and zoning commission meeting and uh then on yesterday on monday the 22nd i went to the church and unloaded the upper des moines food today and tomorrow were our days where we're providing that service for upper des moines and uh then in the afternoon last night we actually did the distribution from four to six And they had, last night we had, it went a lot better this time than the first month. I had actually 26 households, 52 people who would be doing that again tonight. I've already talked to Beth about getting people, the largest thing that I see with the whole program is the paperwork that's involved. Sometimes it makes you wonder if the government wants you really distributed food, but, It went well, and we have that again today. I missed the unload this morning. And so we'll be there this afternoon to redo that. And that's all I have. Sounds good. Mr. Clark.

1:33:21 – 1:37:14Speaker 11

On the 15th, I also attended the PNC meeting. It was interesting. On the 18th, I had a yes board meeting, Youth Emergency Service of down in Cherokee. interns through bb college that came out and worked in the last two years occasionally and have decided that they want to stay in the area and have hired on at the at the center they only lost one employee hired four so i guess that that's a good thing yeah uh Uh, transports for June was down. And I think that's because more people themselves are traveling and maybe recalls for, uh, for added transports aren't as necessary. Uh, they are, they voted in to spend the money, to put more cameras on the building. They they've had a lot of, uh, people driving up and sitting and observing the kids when they're out on the On the exercise ground and stuff like that, and so they put some fences a couple months ago, but they can't really see through now they're putting the cameras up so that. If there's any suspicious suspicious activity outside that they can monitor that. They averaged 11 out of their available. 10 for the month and then. That's hard to do when you only have 10 beds to average 11, but a lot of times, you know, they'd admit somebody in the morning because they could move one of them out to the reception area after the new one was admitted because he was leaving later that afternoon. It's kind of a logistics type deal. The governor did sign the bill that changed the allocation of funds to the youth emergency center all over the state. The only county that was against that was Polk County because they had to give up a lot. They were being paid by availability of beds, not on bed days actually used. And so now they're talking about They've got extra beds that they don't staff for them or anything like that. So now they're talking about giving those beds up. And, you know, it's theoretical. You know, we can handle so many well, but if you're not staffed for it, you can't. So they're going to give some of those up to some of these other centers. And Cherokee is hoping to get five of those, which will help a lot. Financials look great. They are purchasing two new transport vehicles. Some of them are getting a lot of miles on. They've got a Ford Crown Vic that the driver doesn't want to give up, but it's got 390,000 miles on it. But he's a big guy, and he likes a big, comfortable car. They say that the repair bill They're doing a good job down there. And I had nothing else after that except a lot of phone calls on drainage district stuff and road conditions. And I'll talk to Jeff about that afterwards.

1:37:17 – 1:38:34Speaker 5

Let's see. Back on the 9th, I attended the sanitation board meeting. And then on the 11th, I attended the de-escalation training. then on fort that was in the morning and unfortunately um that afternoon and then all day friday i had a sick employee and so i had to cover sections over at the gym so i missed three county meetings um so i apologize for that um we are back the whole staff now so things are much better um then on the 15th i did the uh attended the pnz meeting uh the first part of it then we headed my wife and i headed down south and my daughter got married last week and so um i was a little bit uh distracted from what was going on locally here but things went very well and she is um just basking in that glow of the new phase of her life so very excited for her and for john her husband and uh City Council meeting last night, and then another board meeting at the Sanitation District today.

1:38:34 – 1:39:33Speaker 10

Very good. For me, the only official things I have going on is this week I'll have Northwest Isle climbing development and rides. During the week, I can take some phone calls. And the biggest thing was my best friend got married again. He lost his wife 18 years ago, and it was great because I got to, well, like he said, I've got people here from when I taught in Carlisle. That would be me. He had people here. had people there that he was just friends with. So he said, basically, it's probably what my funeral's going to look like. But it was great to see some of those old-time friends. That was my day. Anything from the crowd?

1:39:35 – 1:39:48Speaker 2

There is an extra week in there. Just a reminder, we don't meet again until July 14th. since we have a fifth Tuesday in there and July 7th. So we will not meet again until July 14th.

1:39:48Speaker 10

Don't we have a July 8th?

1:39:51Speaker 2

No. The second and fourth Tuesday are the days that we meet for the summer because those are the days that we pay claims.

1:40:02 – 1:40:27Speaker 10

Okay, if there's nothing else, I take the motion to adjourn. I'll make that motion. Mr. Dillard moves. Second. Kim seconds. Further discussion? Mr. Dullard? Aye. Kim? Aye. Levi? Aye. Mr. Clark? Aye. Ken Billis? Aye. We are officially adjourned at 1040. Recycle Commission Thursday, Kim? Thursday.

This transcript was automatically generated from the official public meeting video and is presented unedited. It reflects remarks made on the public record by elected officials, staff, and public commenters. Transcript accuracy may vary; view the original recording for reference.