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.

 



Latest Hamilton County Jail Booking Report

Here is the latest jail booking report from Hamilton County: ATKINS, RICHMOND TANNER  5012 HIGH VALLEY DR BRENTWOOOD, 37027  Age at Arrest: 19 years old Arresting Agency: UTC POSSESSION OF CONTROLLED SUBSTANCE --- BARCLAY, RONELL HARRIS  2506 CHAMBERLIN AVE CHATTANOOGA, 37411  Age at Arrest: 21 years old Arresting Agency: Chattanooga CRIMINAL ... (click for more)

Soddy Daisy Man Pleads Guilty To Child Rape; Montgomery Gets 15 Years

A Soddy Daisy man pleaded guilty on Monday to sexual battery by an authority figure and statutory rape by an authority figure. Scott A. Montgomery received concurrent 15-year and six-year sentences. Montgomery, 42, of Dallas Hollow Road, appeared before Criminal Court Judge Barry Steelman. The indictment says the rape was of a female, who was under 13 years old when ... (click for more)

Set Up A Council On Love, Not A Council On Hate - And Response

In Mayor Berke's April 19 version of the Berke Bulletin, he announced plans to establish a Council on Hate and indicated a focus on tolerance. I beg of him to reconsider that plan. One problem in Chattanooga and in other places in America is that there are some people who have already established an informal version of a Council on Hate. I suggest that a more productive plan ... (click for more)

Roy Exum: Corker And ‘The Code’

Of all the vows, pledges, and bonds born unto the human race, nothing overrides “The Code.” It is an unwritten but deeply important knowledge that men should abide with equal respect, fierce loyalty, and chivalrous understanding of one another. For example, The Code dictates you must not and can never date a good friend’s ex-girlfriend, or ex-wife. Rather, you respect your friend ... (click for more)

Moc Golfers Tied For 2nd at SoCon Championships

It was a cold, miserable, soggy day at Pinehurst No. 9 for the second round of the Southern Conference Men’s Golf Championships. It showed for the Chattanooga Mocs as they dropped into a tie for second with ETSU at 594. “We got off to a great start over the first three or four holes and I thought this could be a really good day,” Coach Mark Guhne began. “Then we started to ... (click for more)

McCallie Hires Former CCS Coach David Conrady

Veteran coach David Conrady will take over as the McCallie Blue Tornado varsity basketball coach for the 2018-2019 season, bringing an experienced leader and motivator to the Ridge to lead the Blue Tornado basketball program, school officials said. Conrady, who comes to McCallie from Prestonwood Christian Academy in Plano, Texas, replaces John Shulman, who left McCallie following ... (click for more)