Improved insurance rating may lower homeowner rates for Scott residents

Published Jan 24, 2013 at 4:43 pm (Updated Jan 24, 2013 at 4:43 pm)

Scott Township officials recently received word that the municipality’s Insurance Services Offices (ISO) Public Protection Classification (PPC) had improved, which could lead to lower homeowner insurance rates for residents.

Fire chiefs from Scott’s three fire departments – Adam Kauer of East Carnegie, John Levi of Bower Hill and Tom Salerno of Glendale – were at the Scott commissioners’ Jan. 22 regular meeting to explain the process required to improve the township’s rating from a 5 to a 3.

Speaking for all three departments, Levi said that the organizations came together as a fire district to “get all their ducks in a row” regarding training and other requirements prior to their ISO inspection. Levi explained that the ISO audit evaluates three major areas: dispatch and communication, water supply and fire department. In the fire department area, the ISO reviewed items like equipment, response practices, department personnel and training, and compared Scott’s operating procedures to ISO standards. After the audit, ISO analyzes the data and determines a PPC.

Scott’s PPC rating of 3, which goes into effect in April 2013, puts the township in the top six percent of municipalities nationwide, and in the top 1.25 percent in Pennsylvania. Most insurers of homes and businesses use the ISO’s PPC rating when calculating premiums, so the improved rating could lead to lower insurance rates in Scott.

In other business, the board unanimously voted to authorize the solicitor to proceed with sheriff’s sale of property located on Bell Avenue and to proceed with condemnation of property at 600 Carothers Avenue. Before the vote, Commissioner Bill Wells said he wanted the board to establish some type of formal policy regarding when the township should consider taking action on property for sheriff sale. Board president Tom Castello said the issue will be discussed at the board’s Feb. 12 agenda meeting.

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