Waverly Hall homeowners having problems with insurance company ISO ratings

Homeowners are having problems with insurance company ISO ratings
Published: Jul. 10, 2018 at 12:23 AM EDT|Updated: Jul. 10, 2018 at 11:41 AM EDT
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WAVERLY HALL, GA (WTVM) - Homeowners in Waverly Hall say they are seeing a drastic increase in their homeowner's insurance.

Their bills skyrocketing, and according to insurance companies, the local fire department to blame.

Companies reportedly using inaccurate data, targeting homeowners, thousands of extra dollars.

"I could see three, maybe $500, I could absorb that. But the jump was more than my premium, last year," said Waverly Hall resident, Susan Chapman.

Chapman says it was red flags when she received her latest home-owners insurance bill. She says her bill doubled in the amount, from $1,100 to $2,600.

That is when she immediately knew something was wrong.

"I'm making it on what I got, I can't afford for my insurance to go up like that. I immediately called our ISO town rating had changed. Went from like a 4, to an 8 or 9. I'm 100 percent disabled veteran," said Chapman.

ISO, or Insurance Services Offices is a guideline that tests fire department protection.

Fire departments are graded by topics such as tools and equipment, training, response to calls, and water supply.

The lower the number, the better the score and the higher the rating the worse.

But According to Chief Alex Lawski, their rating has been the same for years - a four since 2016.

He says this is something that happens often in rural communities, and often overlooked by home-owners.

Waverly Hall Fire officials say Chapman did the right thing by questioning the jump.

They also say they are willing to help any other residents dealing with this issue, offering official letterheads to insurance companies and verifying their rating.

Chapman says she is using this experience as a learning lesson, and encouraging people to be more aware on where your money is going.

"Put everyone on notice and say check your bills. Don't just pay it and drive on, because it may not be right," said Chapman.

The Waverly Hall Fire Department says they are scheduled for a new rating in summer of 2019.

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