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DORA — Most homeowners in Dora should expect to see a decrease in their homeowners insurance rates later this summer thanks to the Dora Fire Department.
Dora Fire Chief Adrean Booth announced to Dora City Council members during Thursday’s city council meeting that she had been informed that the city’s ISO rating had dropped significantly.
A city's ISO rating — or Public Protection Classification (PPC) — is a score from 1 to 10 assigned by the Insurance Services Office (ISO) to evaluate a city's fire protection capabilities, with 1 being the best and 10 the worst, which property insurance companies use to determine fire insurance premiums.
Dora’s ISO rating for the past several years was a 6/6X. Booth said she was informed by ISO officials the city’s rating had dropped to 4/4X.
“It’s great news,” Booth told council members.
The City of Jasper recently announced its ISO rating had dropped to a 3/3X rating, meaning lower homeowners insurance costs in the city.
Booth said homeowners in Dora should also be excited by the news.
“It’s huge, especially for the homeowners here,” she said. “In Jasper’s case, after you get to a 4 rating that’s predominately what covers residential areas, and when you get lower than that they reap the benefits on the industrial side. We’re very pleased with our 4.”
Dropping from a 6/6X rating to 4/4X wasn’t easy, Booth said. It took a lot of hard work from many people.
“We have an incredible group of folks at the fire station, and they’re very dedicated. I'm thankful to have them,” she said. “We’re also thankful for the support of the council and the mayor.”
The city’s new ISO rating goes into effect July 1, Booth said, and homeowners will need to contact their homeowners insurance company to inquire about lower rates.
“They do have to contact their insurance provider to reap the benefits of this,” she said, adding that it may depend on the provider as to how much a benefit they can expect to see.
“With the decrease we had in our ISO, I would expect the average homeowner could save roughly $500 a year,” Booth said. “That would be huge in my home.”
Booth said work is continuing to maybe lower the city’s ISO rating even more.
“I think we can negotiate a couple of things to maybe get down to a 3.”
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