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.

 


Alexander, Corker Introduce Senate Resolution Honoring The Life And Achievements Of Pat Summitt

Senators Lamar Alexander and Bob Corker on Tuesday introduced a resolution in the Senate honoring the life and achievements of legendary Lady Vols coach Pat Summitt, who passed away on Tuesday at the age of 64. Full text of the resolution is below: Whereas coaching was the great passion of Pat Summitt’s life and was an opportunity for her to work with student-athletes, help ... (click for more)

Legendary Lady Vol Basketball Coach Pat Summitt Dies At Age 64

Pat Summitt , legendary Lady Vol basketball coach, mentor and mother-figure to her players; a revered ambassador for her university and state; a trailblazer for women; and a role model for people all over the world passed away early Tuesday in Knoxville at the age of 64. The UT athletic department wrote: "Born Patricia Sue Head on June 14, 1952 in Clarksville, Tn., she arrived ... (click for more)

General Bell: Chattanooga Needs The Coolidge Medal Of Honor Heritage Center - And Response (7)

I'm pleased and indeed compelled to let you know a bit more about the exciting and most honorable "Charles H. Coolidge Medal of Honor Heritage Center" planned for Coolidge Park.     Here's what the Heritage Center will be:  It will be a fitting capstone for Chattanooga's Coolidge Park on Northshore in downtown Chattanooga.  While this exceptional Chattanooga ... (click for more)

Roy Exum: Pat Summitt’s Dash

In 1996 a woman named Linda Ellis wrote one of life’s most beautiful poems. Called “The Dash,” its first two verses read like this: “I read of a man who stood to speak at the funeral of a friend. He referred to the dates on the tombstone from the beginning…to the end. “He noted that first came the date of birth and spoke the following date with tears, but he said what ... (click for more)

UTC Coach Jim Foster Recalls His Memories Of Pat Summitt

University of Tennessee at Chattanooga women’s head basketball coach Jim Foster took time out Tuesday afternoon to meet with local media to answer questions about his relationship with the late Pat Summitt, the former head coach and most recently the Head Coach Emeritus of the University of Tennessee Lady Vols.   The two Women’s Basketball Hall of Fame coaches met each ... (click for more)

Unbeaten Fairyland Clinches Red Division Swim Title

Members of the Calhoun swim team were set and ready to compete on the pool deck at the Fairyland Club Monday night, but they never got wet as the meet was postponed by lighting, thunder and the overall threat of stormy weather. They made the long trip back about 24 hours later and the second time around wasn’t nearly as productive as 21 less swimmers made the trip to the top ... (click for more)