Res­i­dents ben­e­fit from new fire rat­ing

Fire De­part­ment’s new ISO rat­ing a boon for Cov­ing­ton home­own­ers

The Covington News - - FRONT PAGE - By Rachel Oswald

Cov­ing­ton home­own­ers are ad­vised to con­tact their in­sur­ance agents now to in­form them of the Cov­ing­ton Fire De­part­ment’s newly im­proved rat­ing from the In­sur­ance Ser­vice Or­ga­ni­za­tion which will be­come ef­fec­tive Oct. 1.

The fire de­part­ment re­cently went from an ISO fire pro­tec­tion rat­ing of ‘4’ to a rat­ing of ‘3’ af­ter the ISO up­dated its 1998 sur­vey of the de­part­ment in the spring.

Cov­ing­ton Fire Chief Don Floyd said the im­prove­ment in fire class pro­tec­tion could re­sult in a 5 to 10 per­cent home in­sur­ance rate de­crease for home­own­ers.

Since 1998 the fire de­part­ment showed the most im­prove­ment in the num­ber of fire­fight­ers it now em­ploys and in its wa­ter sys­tem which com­prises hy­drant dis­tri­bu­tion and wa­ter main ca­pac­ity.

The de­part­ment lost 1 point in the area of its dis­patch fa­cil­i­ties used to trans­mit alarms to the fire de­part­ment.

Over­all the fire de­part­ment gained 10 points out of a 100 point score since the last sur­vey, go­ing from 62.81 points to 72.76 points. Only 2.6 per­cent of fire de­part­ments na­tion­ally are ranked as Class 3 fire de­part­ments by the ISO. The vast ma­jor­ity un­for­tu­nately have much lower rat­ings.

Cov­ing­ton Fire Chief Don Floyd said it was his goal to see the de­part­ment moved even fur­ther to a Class 2 rat­ing be­fore he re­tired.

To be­come a Class 2 fire de­part­ment, the Cov­ing­ton fire de­part­ment will need to gain ap­prox­i­mately 7 points for an 80 point to­tal.

Floyd rec­om­mended re­de­ploy­ing the city’s third en­gine com­pany as the surest way to bring the de­part­ment to a Class 2 rat­ing. In or­der to re-de­ploy the third fire com­pany, the city would have to hire 12 ad­di­tional fire­fight­ers.

“That’s what I’ve been ask­ing for, for years,” Floyd said. “That is what’s re­quired by ISO. That we send two en­gines and a lad­der (truck) on all struc­ture fires. By do­ing that and other small im­prove­ments we will pos­si­bly be able to go to Class 2.”

Mov­ing to an ISO Class 2 rat­ing could re­sult in an ad­di­tional 5 per­cent in­sur­ance rate de­crease for Cov­ing­ton home­own­ers.

The Cov­ing­ton fire de­part­ment cur­rently has two en­gine com­pa­nies and two lad­der com­pa­nies.

Mandi Singer/The Cov­ing­ton News

On the job: City of Cov­ing­ton Fire­fighter James Cox, left, Fire Ap­pa­ra­tus Op­er­a­tor Jeremy Mathis and fire­fighter Brian Moore per­form a daily ap­pa­ra­tus check on city of Cov­ing­ton Lad­der 3 at the Pace Street Fire Sta­tion Tues­day af­ter­noon.

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