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Post by Gregg on Jan 27, 2002 19:56:46 GMT -5
Has the city ever hired a consultant to see if it would be feasible to shoot for an ISO Class 1 Rating? Would it be worth the savings in insurance costs? It seems that it could save the community a decent amount of money with this rating.
How many firehouses would have to be added or relocated? Would there be a big need for additional fire companies?
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Post by district5 on Jul 6, 2002 22:49:13 GMT -5
I understand that Sycamore Township Fire/Rescue now has a ISO class 2 rating and upon completion of a water main project, may attain a class 1 rating. Will they be the first class 1 in Ohio?
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Post by Gregg on Jul 7, 2002 0:58:29 GMT -5
Hello District 5,
I am sitting here looking at an ISO list for Hamilton Co. The only problem that I am having with this list is that it does NOT have a date. Therefore, I cannot say that it is 100% accurate.
It lists 4 Hamilton Co. jurisdictions as an ISO Class 2 (the highest in the county). They are:
Cincinnati Colerain Twp. Loveland / Symmes Sycamore Twp.
To the best of my knowledge, there are 0 Class 1 departments in Ohio. According to another list that I am viewing, there are 0 Class 1 departments anywhere near us. Zero in Ohio, Kentucky and Indiana.
I found the following article that may be of interest:
DO YOU KNOW WHAT I.S.O. CLASS ONE FIRE DEPARTMENT MEANS? I.S.O. stands for Insurance Services Organization. The I.S.O. inspects fire protection in cities and counties across the United States. The inspection is divided into three areas: 50% of the score is of the fire department (response times, how well personnel are trained, how many firefighters on duty); 40% of the score is of the water delivery system (how close is the nearest fire hydrant, is there sufficient water to put out fires); 10% of the score is of the emergency communications system (how are 9-1-1 calls received, do firefighters have a reliable radio system, can the public easily notify the Fire Department of a fire). When the totals in each area are combined, the final score is placed on a Class Scale of 1 through 10. A Class 10 means there is no fire protection available. The lower the score the better the fire protection. A Class One is the best you can achieve.
Insurance companies use the ISO Grade to figure your homeowners or business insurance premium. Class One is the very best you can achieve, so that means you may be paying lower insurance premiums than most other cities in the United States. As a matter of fact, of the 35,000 fire departments in the United States, only 44 have a Class One rating. How does that save you money? Depending on the insurance company, you may save anywhere from 12-15% than a Class 2 rating. (It is important to remember that each insurance company figures their premiums differently, and some insurance companies do not use the I.S.O. grading schedule. Check with your agent.)
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