PLEASE READ COMPLETELY
we like it or not, paying for insurance is a fact of life.
Homeowner and business insurance companies use many factors
when determining the cost of your premiums. One major factor
is the level of fire protection. Most insurance carriers use
what is known as ISO to determine the quality of fire
protection available and therefore establish insurance
stands for Insurance Service Organization. This is a group
of trained, professional evaluators that assess almost every
fire department in the U.S. ISO uses a consistent set of
guidelines to evaluate a fire department. ISO bases a fire
departmentís rating on many factors including the number of
personnel on duty, training level of personnel (paid or
volunteer), the amount of water the fire department can get
to a fire, and the amount and quality of equipment used
(such as fire engines and hand tools). The purpose of ISO is
to give insurance companies a uniform system on which to
base their insurance premiums.
insurance company knowing the capabilities of a fire
department is important. The better the fire department, the
better protected a building is from fire damage and loss.
The higher the level of protection, the less likely an
insurance company will have to reimburse a claim for fire
damage. The fewer number of claims, the lower the cost for
the insurance provider. Of course fire protection can work
the opposite way. A sub-par fire department will experience
more fire losses. More fire losses means more insurance
claims filed. In order to make costs meet, the insurance
companies raise the premiums you pay.
a ranking of 1 through 10, with 1 being the best and 10
being no protection at all. Currently the City of Fort
Oglethorpe Fire Department along with Post Volunteer (Fort
Oglethorpe Fire & Rescue) has an ISO rating of 3. The areas
covered outside the City of Fort Oglethorpe in the 911
coverage area for Fort Oglethorpe Fire Department and Fort
Oglethorpe Fire & Rescue are a 3/9 rating.