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: ADAMS, HUEY  119 BATES ST CHARLESTON, 37310  Age at Arrest: 36 years old Arresting Agency: Hamilton County THEFT OF PROPERTY --- ARSENEAU, SARAH ANNE  2210 RED TAIL LANE CHATTANOOGA, 37421  Age at Arrest: 27 years old Arresting Agency: Chattanooga THEFT OF PROPERTY (UNDER $500) ... (click for more)

Riverview Neighbors In Court Over "Huge Wall"

Riverview neighbors are in court over a "huge wall" recently constructed on Edgewood Circle. William G. and Alice Oehmig filed the Chancery Court complaint against Keith and Amanda Jackson. The suit, filed by attorney Bill Horton, says the Jacksons bought the former Allen Corey property, then added a large amount of fill in their back and side yards, adjacent to the Oehmigs. ... (click for more)

Memorial Auditorium Flag Disgrace

How can it be that Memorial Auditorium, which was built to honor soldiers and sailors, displays our country’s flag in such a disgraceful manner?  Out of six poles on the front of the building only two battered flags remain.  Additionally, two old banners are attached to the wall that have long ago faded and look like they’ve seen better days. This is not acceptable ... (click for more)

Roy Exum: Buy Ping Golf Clubs

As we set the charcoal, ice the drinks and prepare for Memorial Day, the first thing on my mind is to ask any golfers within my reach to consider buying and playing with Ping-brand golf clubs. Pings are made in America but there is a little something else you need to know, as told in an email I received earlier this week. I regret I do not know the author: * * * “On Monday, ... (click for more)

Gilpin, Stocks Victorious In Chattanooga Chase 8K

John Gilpin has done plenty of training in North Chattanooga and is very familiar with the Chattanooga Chase and the series of hills the oldest race in Chattanooga is known for. Jennifer Stocks has done more than her share of workouts on those roads, so she was fully aware of the challenge she faced when the starting horn sounded. Both were overall winners in this unique 8K ... (click for more)

Flames Fall In NCCAA Baseball Championship

The Lee fans waited and waited for the big hit that had ignited the Flames in five other wins during the 2015 NCCAA World Series. The hit never came and neither did the big inning in the 6-2 loss to Fresno Pacific in Saturday afternoon's championship at Prasco Park. It marked the second straight year that the Sunbirds defeated the Flames in the NCCAA final. Lee wraps up the ... (click for more)