2016-10-06 / News

Martins Crossroads VFD receives 05/5x rating

Martins Crossroad Volunteer Fire Department underwent a Pub­lic Protection Classification (PPC) survey conducted by the Insurance Services Office, Inc. on June 14, 2016.

The survey consisted of an on- site review of the departments established operating procedures which included an inventory of firefighting equipment. Addition­ally, an intensive records analysis including the fire incident reports, personnel training and attendance records was conducted. On a broader scope a review of exist­ing interdepartmental agreements and operational relations with the other fire departments in Lincoln County was reviewed. The data gathered was provided to the ISO National Processing Center in New Jersey for analysis under the ISO’s Fire Suppression Rating Schedule

FSRS). The FSRS evaluates four primary categories of fire suppres­sion:

Fire Department communications supply risk reduction

The FSRS includes standards set by the National Fire Protection As­sociation (NFPA).

The Martins Crossroad Volunteer Fire Department resulting classi­fication after the survey was com­pleted was on target and met the expectations of the department’s leadership. The entire Martins Crossroad Fire District, which has two fire stations, is now rated with

05/5x classification. The effec­tive date for this Public Protection Classification (PPC) is January 1, 2017.

Prior to completion of this sur­ It’s vey Martins Crossroad Volunteer Fire Department had the following ISO Public Protection Classifica­tions (PPCs):

Fire Station 5, 3911 Double Branches Road: PPC: 7/9

Fire Station 6, 1125 E. Hwy 220: PPC: 9/10

This accomplishment by the Martins Crossroad Volunteer Fire Department was the results of the financial support the depart­ment received each year from the home owners and businesses in the district. The annual fee each of the property and business own­ers paid helped the fire department purchase the most up to date ve­hicles and equipment. The annual fees provided funds for maintain­ing the vehicles and equipment and helped keep the facilities that house the vehicles and equipment in a state of readiness. The depart­ment personnel are grateful for the public support they get in the form of funding.

However, the credit for achiev­ing a better Public Protection Clas­sification goes to the Volunteer Firefighters. With up-to date reli­able equipment, it is the Volunteer Firefighter’s professional actions that make fire suppression response times and on scene actions happen. A Volunteer Firefighter performs his duties willingly, without pay or compensation. The firefighter can be called to an emergency incident any time of day or night, 365 days a year during good or bad weather.

Along with the Volunteer Fire­fighters, the positive results from the survey would not have been probable without the efforts of the Lincoln County Water Depart­ment personnel who plan and over­see construction and maintenance of the water distribution system within the Martins Crossroad Fire District. Also, the Lincoln County Sheriff’s Department’s operation of the county’s emergency commu­nications/ dispatch network contrib­uted immensely to the fire incidents response times.

The Public Protection Classifi­cation is important to the commu­nity and the fire department. Com­munities whose PPC improves may get lower insurance prices. The fire department can use the PPC as a benchmark for planning, budgeting and justifying expenditures for fire protection improvements.

According to information pro­vided by the Insurance Services Office “The ISO’s Public Protec­tion Classification program plays an important role in the underwrit­ing process at insurance compa­nies. Most insurers in this coun­try use PPC information as part of their decision making when decid­ing what business to write, cover­age’s to offer or prices to charge for personal or commercial property insurance. Each insurance com­pany independently determines the premiums it charges its policyhold­ers. The way an insurer uses ISO’s information on public fire protec­tion may depend on several things; the company’s fire-loss experience, ratemaking methodology, under­writing guidelines, and its market­ing strategy.”

What the new 05/5x Public Pro­tection Classification gets the busi­ness and property owners within the Martins Crossroad fire district:

If the structure or business is within 5 miles of the fire station and within 1000 ft of a fire hydrant, the insurance company will most likely write your policy under their criteria for a PPC of 5.

If the structure or business is greater than 5 miles from the fire station and does not have a fire hydrant within 1000 ft of the struc­ture, the insurance company may write your policy under their crite­ria for a PPC up to 10.

The Martins Crossroad Volunteer Fire Department leadership has an open invitation to all business and home owners in the district to visit the department. Training and main­tenance activities are conducted each Monday evening at 7:00 pm at station 5, 3911 Double Branch­es Road. If anyone has questions about anything pertaining to the fire department, please call (706) 359-3660 or visit us during our scheduled meetings.

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