Home Local News Cumby Fire Department Announces ISO Rating(Insurance Service Office) Lowered to a 4 from 7/9. Expected to Lower Homeowners Insurance Rates.

Cumby Fire Department Announces ISO Rating(Insurance Service Office) Lowered to a 4 from 7/9. Expected to Lower Homeowners Insurance Rates.

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From Cumby Fire Department:

Cumby Fire Department has a BIG announcement to make to everyone living in our fire district. If you are a homeowner residing within 5 driving miles of either one of our 2 fire stations (Cumby and Brashear) within Cumby Fire Department’s county fire district, effective February 1st 2019 your ISO rating will be improving to a 4. Our previous rating was assigned as a 7/9 and was issued to the department in 1997. We are very proud of this achievement and have been working hard over the last 10 plus years to get to this point. This savings may not automatically appear, as homeowners you may need to contact your insurance companies and request them to update your policy with the current rating. This should be done when renewing your current homeowners insurance. What does this mean to our fire district? Fire departments across the nation are rated by the ISO to determine a Public Protection Classification (PPC) for individual cities or counties. This rating is published by the ISO and used by insurance companies to determine insurance rates. The ISO Schedule develops a PPC number on a relative scale from 1 to 10, with 1 being the very best and 10 representing less than minimum recognized fire protection. Most U.S. insurers of homes and business property use the PPC in calculating premiums. In general, the price of fire insurance in a community with a good PPC is substantially lower than in a community with a poor PPC. In general, how do Texas communities stack up? Larger cities, which tend to have the best fire protections, generally are rated 1 or 2. A few are rated 3. Smaller towns tend to cluster in the 4-to-7 range. A number of previously un-inspected areas that returned ISO questionnaires about their fire fighting capabilities are rated 7 or 9. Many rural unincorporated areas are considered a 10 or unprotected. Cumby Fire Department would like to thank all of our volunteers that have worked countless hours in achieving this new rating and a special thanks to YOU our supporters! Without you this excellent rating would not have been attainable.

 

 

 

 

 

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