Leesville Fire Rating Went Down/What About The Parish?

Posted in the New Llano Forum

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1 - 9 of 9 Comments Last updated Nov 18, 2009
VP Resident

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#1
Aug 13, 2009
 
Leesville fire rating dropped t a class 4! Good job Leesville Fire Department! Wish the Parish volunteer fire departments could follow suite and get our insurance rates lowered. My Aunt lives outside of Many and there fire departments are volunteer and they are a class 4 as well. Why is VP a class 7 according to my insurance broker (Morris Ins.)can anyone tell me?
Firefighter

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#2
Sep 10, 2009
 
It has to do with an ISO rating, which is given by the insurance companies. There are specific guidelines that have to be met for the rating to drop. When your FD drops its rating, your insurance will usually drop to. Maybe you should go the FD and talk to the chief and see if he is doing anything to try and get it lowered.

Remember one thing though, the city FD's generally have a lower rating than a parish FD, simply because of response times and less area to cover. My FD covers 185 square miles, where as the city only covers about 90 with a full time staff, so we have twice the area and are volunteer only so it is harder to have as low a rating. Hope this helps.
Running Bear

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#3
Sep 10, 2009
 
VP Resident said [Wish the Parish volunteer fire departments could follow suite and get our insurance rates lowered.]

I hear ya. I work for the Sundown Volunteer Fire Dept out on Vernon Lake Road and we try hard to get our rating down as low as we can. This involves pressure tests on the pumper trucks to certify that they can pump what they're rated for. These tests are supervised by a certified individual from the Leesville Fire Dept. Every dept also must pressure test all their hoses to make sure they can take the punishment. We usually use 150 pounds of pressure in standard practice. The test pressure is twice that. If they can survive that they're good to go.
VP Resident

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#4
Sep 12, 2009
 
Thank you guys for your insight on how things work with my insurance. I think that more people should get involved and find out how these things work instead of just writing the check every month to the insurance company.
VP Resident

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#5
Sep 12, 2009
 
Running Bear,

I still have that one question why is our rating so high? I drive around the parish and look at all the fire stations it seems like here in Vernon Parish that we have more then enough fire stations, should we not have a better rating and is there anything the average citizen can do to help the Fire Departments with this rating. Because it seems to me that if Sabine Parish can have a insurance rating of a 4 what can we do to get close to the same?
And running bear I am sorry for the blogs I posted sometime back. We are very proud of you guys and I am happy to hear that your fire department is doing all it can. Keep up the good work!
Running Bear

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#6
Sep 12, 2009
 
It all comes down to response time, amount of equipment and number of personnel a station can get to a scene in a certain amount of time. It takes longer for volunteer departments to respond because the personnel are rarely at the station when the call comes in. We've had times when a call would come in during a training meeting and we'd on the scene within 10 minutes. Most times though it can be two or three times that amount of time because the members are at work, school, etc. That's the difference between a paid department and a volunteer department. Also the volunteers are not as well trained as the paid fire fighters. So all that goes into makeup of the fire rating. Our rating out here is a 7 and we had to really bust our butts to get that. A couple of years ago we were at a 6.5 but we had more fire fighters then.
Running Bear

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#7
Sep 12, 2009
 
If you really want to help your local volunteer department lower the rating in your area you can join them. Joining a volunteer department is easy. Find someone who is a member of the department in your area and let them know you want to join. They'll set it up with their superiors and get you signed on. I can tell you one thing right now. You'll be downright amazed at what you don't know about fire and you'll very quickly develop a healthy respect for it and for those who put their lives on the line to fight the fires.
VP Resident

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#8
Nov 11, 2009
 
I just read in todays paper that the Town of New Llano's fire rating has droped, the paper said that they went from a 7 to a 5. Good Job New Llano Fire Department!
Happy to be Here

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#9
Nov 18, 2009
 
If we dropped from a five to a seven how come my insurance is so high? Has the fire board notified the insurance board?

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