CLINTON — City residents can experience home insurance rate improvements thanks to the diligence of the Clinton Fire Department.
“After a formal inspection by the Office of the State Fire Marshal, the City of Clinton Fire Department received a rating upgrade from the Office of the North Carolina Insurance Commissioner,” said Clinton Fire Chief Lovette said in a statement this week.
“I would like to commend Chief Lovette for the performance of the department and for the hard work of all members of the department,” said Commissioner Causey.
“This rating upgrade affects both city properties as well as the rural outreach area covered by the City of Clinton,” the statement said. “This pricing change is expected to result in lower fire insurance rates for business owners and homeowners in the City and Rural Response District. Premiums for hazard or property insurance are expected to see a reduction due to this upgrade.
With the state’s scoring system, lower numbers mean better equipped responses.
“The overall rating system ranges from Class 1 (highest/best) to Class 10 (not recognized as a certified fire service). The Clinton Fire Department was able to lower its rating number from Class 5 to Class 3 in the city. In its Clinton Rural Response District, the rating has gone from a Class 9 to a Class 5 in the majority of the city’s response area.
According to a press release from the office of the insurance commissioner,
“Higher ratings do not necessarily indicate poor service, but a lower rating shows that a department is better equipped to respond to fires in its district,” a statement from the insurance commissioner’s office explained.
This improved rating has the potential to “significantly reduce business and homeowners insurance rates in both fire districts.”
Insurance Commissioner and State Fire Marshal Mike Causey recently visited the station after a family’s smoke detectors saved their lives.
The improved ranking comes in light of the late January inspection of the Clinton Fire Department, personnel, facilities and equipment. Inspection criteria include staffing levels, sufficient and properly maintained, communication capabilities and available water sources.
The new pricing and its impact on lower insurance rates will come into effect on July 1, 2022.
“City citizens in these districts should have peace of mind knowing they have an excellent group of firefighters protecting them and their property in the event of an emergency,” Causey said.
Contact Emily M. Williams at 910-590-9488. Follow her on Twitter at @NCNewsWriter. Follow us on Twitter at @SampsonInd and like us on Facebook.