Shepherdstown home owners could see lower insurance rates

West Virginia
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Good news for home owners in Shepherdstown, the Shepherdstown Volunteer Fire Department’s hard work could be putting dollars back into your pocket.

According to fire chief, Ross Morgan, this is due to a drop in the Insurance Services Office rating. After the ISO does an audit on a department, it determines a ranking based on things such as training hours, response times and water supply.

“It’s going to make their insurance premiums go down…it will be a significant reduction in their fee for their homeowner insurance,” explained Morgan. 

The Shepherdstown Fire Department, Shepherdstown Water Department, and the Jefferson County Communications Center all impacted this rating. 

According to the department: 

What does a rating of 4, 4X, 10 mean for the property owners in the Shepherdstown Fire Protection District?

 Any property within 5 road miles of the Shepherdstown Fire Department, Station 3 on Route 45 in Shepherdstown, AND within 1000 feet of a hydrant will be a Class 4.

Any property beyond 1000 feet from a hydrant and still within 5 road miles of Station 3 will be a Class 4X. 

And property greater than 5 miles from the fire station, will be a Class 10, and unless a fire station is built closer, can be no lower than a Class 10 regardless of the capabilities of their nearest department.

Copyright 2020 Nexstar Broadcasting, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

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