The Moravian Falls Fire District Receives New- Rating After Inspection
The North Carolina Department of Insurance (NC DOI) is responsible for ensuring all fire departments meet a minimum set of standards to insure they are able to protect the homes and businesses of the citizens of North Carolina.
The Moravian Falls Fire District Receives New- Rating After Inspection. North Carolina Insurance commissioner and State Fire Marshal Mike Causey announced today that the following Fire District completed their routine inspection and received the listed rating, on listed effective dates. The inspection, conducted by officials with the Department of Insurance Office of State Fire Marshal (OSFM), is required on a regular basis as part of the North Carolina Response Rating System (NCRRS). Among other things, the routine inspections look for proper staffing levels, sufficient equipment, proper maintenance of equipment, communications capabilities and availability of a water source.
District Type Rating Effective
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Moravian Falls Rural 4/9E 04/01/2021
The NCRRS rating system ranges from one (highest) to 10 (not recognized as a certified fire department by the state), with most rural departments falling into the 9S category. While lower ratings do not necessarily indicate poor service, a higher rating does suggest that a department is overall better equipped to respond to fires in its district. Higher ratings can also significantly lower homeowners insurance rates in that fire district. “I’d like to congratulate Chief Hamby for the department’s performance and for the hard work of all the department members,” said Commissioner Causey. “The citizens in the Town of these districts should rest easy knowing they have a fine group of firefighters protecting them and their property in case of an emergency.”
The Moravian Falls Fire Department is proud of the effort its members put forth to bring this classification down to a 4E. This lower classification means lower fire insurance premiums for those within five miles of the fire station.
“We will continue to work with the NC DOI to maintain high standards and continually improve our rating ensuring our taxpayers receive the best insurance premiums available to them,” said Chief Hamby.
State law requires OSFM official to inspect departments serving districts of 100,000 people or less, which makes up all but twelve of the state’s fire district.
Their primary responsibility is the inspection of all fire departments having a 9S insurance classification to ensure compliance with criteria established by the Department of Insurance. This criterion dictates a minimum level of fire protection and qualifies homeowners throughout the state to be eligible to receive reduced insurance premium rates.
The Inspection Section also has the responsibility to conduct surveys of all fire districts throughout the state with an insurance classification lower than the 9S classification.