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Pigeon Forge Fire Department’s ISO rating improves to a Class 2

PIGEON FORGE, TN - Pigeon Forge Fire Department was recently notified that its fire protection rating from the Insurance Services Office (ISO), a national insurance industry risk rating and assessment service inspection, will Improve in 2018 to a Class 2.

This change not only means the department's level of fire protection service has improved, according the ISO analysis, but it could also earn lower property insurance rates for home and business owners within the City of Pigeon Forge. With the update, the department's rating drops from its previous Class 3 rating.

ISO rates municipalities on a scale of 1 to 10. An ISO Class 10 rating is considered the least effective fire defense while an ISO class 1 rating is the most effective fire defense system from an insurance analysis perspective. ISO ratings play an important role in the underwriting process at insurance companies. Most U.S. insurers — including the largest ones — use these ratings as part of their decision-making when deciding what business to write, coverages to offer or prices to charge for personal or commercial property insurance.

The news of Pigeon Forge's lower rating is exciting for the city, as well as all personnel at the fire department, said Chief Tony Watson. “This was not an overnight task, as Fire Department personnel had to work hard to keep up standards, changes with operating procedures and update information on all areas of fire protection in the city.”

The ISO’s process for the rating is based on surveying and inspecting all aspects of what the fire department has achieved since its last review in 2012. ISO officials look at the 911 system, the water system as relates to hydrants and many other factors involved in providing quality fire and rescue services. Countless hours of preparation went into getting ready for the inspection, Watson said.

Of 46,042 departments inspected nationwide, only 241 achieved a Class 1 ISO rating. Pigeon Forge joins just 1,324 other departments in the nation that have achieved a Class 2 rating. “We are very proud of this accomplishment and could not have done it without our dedicated personnel here at Pigeon Forge Fire Department and the support of our City Manager, City Commission and our residents,” Watson said.

Insurance companies will be automatically notified of the change in ISO rating. Any policyholder who doesn't see the rating corrected when the new rating takes effect should call their agent.

Published December 27, 2017

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