Walker County's ISO Rating Improves; Homeowners Should See Premium Drops

Friday, February 8, 2013

Following a survey of Walker County Emergency Services last October, Walker County’s Insurance
Services Office (ISO).rating has been reduced to a Class 3/8B rating from a previous rating of 4/9. This rating becomes effective May 1.

Officials said ISO has many functions, one of which is rating fire departments for insurance classifications. ISO rates departments on a scale of 1-10, where 1 is the best and 10 is no fire protection. ISO reviews not only the fire department for response times and staffing but also the 911 dispatch center and the water departments to compile an overall picture of the department’s capability (with response, staffing, dispatching, and water supply).

Because most insurance companies base their premiums on the ISO class rating of an address, homeowners can expect to see a reduction of their annual premiums, officials said.

The savings from a Class 4 to 3 is expected to be minimal (averaging less than $100). However, the savings from a Class 9 to 8B is anticipated to be significantly higher (some estimates show as savings as much as $500).

Based on a wood-frame construction home valued at $150,000, a Class 10 rating would yield
an average insurance premium of $2,416 where a Class 3 rating premium would only be $1,041 – a savings of $1,375.

Using this same home, a Class 9 rating would yield an annual premium of $1,903 while a
Class 8B would drop the premium to $1,474 – an annual savings of $429.

Using an example of a brick home in north Walker County with an approximate value of $150,000, a Class 9 rating would have a premium of $1,667 while the Class 8B premium would drop to $1,298 – a savings of $369.

Walker County Emergency Services encourages all homeowners to contact their insurance
company to see if they are eligible for premium reduction compliments of this new rating.

According to ISO, there are 47,242 registered fire departments in the United States with 1,998
department receiving the Class 3 rating. In the State of Georgia, 1,038 fire departments have
been rated. Of these, 56 departments have received a Class 3 rating and one (1) has a Class
8B rating. Walker County will become only the second department to receive the 3/8B rating.

Further, the Walker County 911 Center was the first dispatch center to earn the full 10 points
during the 2003 rating, a score the center maintained in the 2012 rating.

 


Tennessee State Trooper Arrests Clarksville Man On Drug Charges In Marion County

A Tennessee state trooper initiated a traffic stop on Tuesday that resulted in the drug arrest of a Clarksville man in Marion County. Trooper George Stephens stopped a 2009 Nissan Sentra after observing the vehicle was following too closely on Interstate 24 westbound near the 153 mile marker at approximately 8 a.m. on Tuesday. Upon initial contact, the trooper noticed ... (click for more)

Crime Stoppers: Robbery At Subway On Rossville Boulevard

Crime Stoppers and the Chattanooga Police Department are seeking information on a robbery from a business that occurred on Jan. 14, at 3416 Rossville Blvd. at the Subway. A store employee stated that a black male entered the business and ordered food. Upon receiving his food, the suspect went to the bathroom and out of sight. Another customer ordered food and once they left, ... (click for more)

Shelley Andrews Will Be Missed

Shelley Andrews was one of the kindest, most thoughtful and most effective laborers in our community.  Her work with the Friends of Moccasin Bend was exemplary.  She listened, she learned and she led with dignity and class. Her brave battle with ovarian cancer was a testament to her positive spirit and commitment to her work on behalf of the people of this region. ... (click for more)

Roy Exum: He’s Exempt From Drunk

I love the old story about a popular Senator who, during the Cuban Missile Crisis, was asked late one evening, “Sir, what if we get bombed?” to which came the quick reply, “I’d be absolutely delighted … I can get one of my aides to drive us home afterwards.” You think of stuff like that when word comes from Kentucky that state legislator Brandon Smith was caught driving erratically ... (click for more)

Libby Peigen Named Soddy-Daisy Volleyball Coach

Libby Peigen, daughter of Ooltewah coach Elaine Peigen, has been named head volleyball coach at Soddy-Daisy, replacing Lorri Johnson. Peigen had been head middle school and assistant varsity coach at East Hamilton before taking over the Lady Trojans' program. She played volleyball at Ooltewah and Lee University. The announcement of Peigen's hiring was originally posted ... (click for more)

UTC Softball Team Prepares for 2015 Season

It’s nine days to the season opener – Plainsman Invite (Auburn, Ala.) – and the UTC Indoor Softball Facility at Warner Park was alive with the sounds of batting and infield practice Wednesday afternoon as the 20 Lady Moc players plus coaches were on hand for 2015 Media Day. Located in their familiar spot as pre-season Southern Conference favorites, UTC returns a strong ... (click for more)