JANUARY 6, 2016
LVFD receives notice of new fire rating
LOUISA, Ky. — Recent fire department and infrastructure improvements have allowed Louisa Fire Department to receive a new Public Protection Classification from the Insurance Services Office, potentially creating lower insurance premiums for residents.
During their recent Public Protection Classification survey (PPC), the Insurance Services Office (ISO) lowered their classification of Louisa Fire Department from a Class 5 for areas served in city limits and class 7 for areas outside of town, to a Class 4 for both areas, a major, and rare accomplishment for a small volunteer fire department.
The PPC Classification system is a 1 to 10 scale, Class 1 being the best classification attainable, with only 132 fire departments in the country receiving this classification. Louisa’s class 4 grade was only attained by 6.455 other fire departments nationwide.
Several factors play a role in determining a fire department’s classification, including, incident response times, 911 dispatch capabilities, Fire hydrant flow, maintenance and testing, fire suppression equipment and staff.
This new classification could be significant for the citizens of Louisa and the Louisa Fire Department services area. Insurance companies use the classification assigned by ISO as a factor in calculating property insurance rates for the area,
Louisa’s improved ranking could result in lower insurance rates for homeowners, depending on several other factors used in the calculation of insurance premiums.
Louisa Mayor Harold Slone had this to say about the new classification:
“ I am very proud of our Fire Department, The professionalism and dedication by this group of volunteers is simply second to none… I would like to thank the current and prior council members and Fire District Board for wise investments into new engines and a ladder truck that made this accomplishment possible. The vehicles were bought used from other larger cities that get new equipment often and even though they were used, they are very adequate and made great improvements to our fleet. Many of the vehicles the fire department had, were getting to be several years old.“