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.


Many Photos Of Fairyland Development Featured In New Hiener Photo Book

Many photos of the Fairyland development on Lookout Mountain are featured in the new historic photo book being published by Chattanoogan.com. Garnet and Frieda Carter carried out the fanciful development in the 1920s. It was during the construction that the game of miniature golf was invented when a golf ball was hit through a drain pipe at the job site. It was first called ... (click for more)

Lookout Mountain, Ga., Holds Hearing On Property Rate Issue; Compromise Sought On Short Term Vacation Rentals

All property in Walker County, Georgia was reassessed this year, including that in the Town of Lookout Mountain, Ga. where some increased in value, some decreased and others stayed the same. The city council encouraged the property owners with increased assessments to appeal the change. Not knowing if the property values, in the end, would be up or down, the council made a decision ... (click for more)

Literacy Is Critical

Government spending is often portrayed as a freight train "quickly running out of track." And there is some truth to that statement. There is not an endless supply of money to fund every good idea that comes along, and we must acknowledge that problem. Fiscal responsibility is a must.  That is why spending on priority issues like public education is important. You can spend ... (click for more)

Roy Exum: Prayer Over Despair

As a strong proponent of early voting, I joined hundreds at the Hamilton County Election Commission headquarters on Amnicola Highway yesterday to exercise what I consider one of our greatest freedoms – “for the people, by the people.” Candidly, I have never been as upset or as disappointed over my choices for President in my life. Locally I am fine with our candidates but to pick ... (click for more)

Baylor Bounces Back To Earn Finals Berth Against Briarcrest

MURFREESBORO – There’s good news and bad news concerning the Baylor volleyball team. The good news is that they will be playing Briarcrest on Friday morning at MTSU’s Murphy Center for the Division II-AA state volleyball title. The bad news is that they’ll be facing that monumental challenge without the services of their best player and team leader Gabby Gray. The x-rays ... (click for more)

Signal Mountain Advances To Class AA State Final

MURFREESBORO – Never accuse the Signal Mountain volleyball team of ever doing anything the easy way. The Lady Eagles, who entered the TSSAA state tournament here as a possible favorite to win the Class AA division, started off the tournament on the wrong foot Wednesday as they lost to defending champ Sullivan South in their first match. They staved off elimination with a 3-0 ... (click for more)