The Deux-Montagnes firefighters had reason to celebrate on the 16th of March as the Deux Montagnes/Sainte-Marthe-sur-le-Lac Intermunicipal Fire Department received a near-perfect rating in a Fire Underwriters Survey (FUS) after re-evaluating the fire protection and insurance ratings for the jurisdictions. That is excellent news for those living in Deux-Montagnes and Sainte-Marthe-sur-le-Lac regions since the conclusive results of the survey could also translate into lower insurance premiums for them.
The re-evaluation of the fire insurance ratings for Deux-Montagnes and Sainte-Marthe-sur-le-Lac was carried out at the request of the Inter-Municipal Fire Department in light of significant investments made in modernizing its operations such as new organizational structure of full-time firefighters, construction of new fire station, and the purchase of new firefighting truck.
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Fire protection rating for homes
The FUS fire protection rating indicates the capacity of communities to fight fires. The rating for residential buildings is on a scale of 1 to 5, with 1 being the best possible. In terms of protecting residential buildings, the Deux-Montagnes/Sainte-Marthe-sur-le-Lac Intermunicipal Fire Department was given a perfect score, up from a 3A and 3B rating to a 1.
Fire protection rating for businesses
In terms of protecting businesses, the rating is from 1 to 10, with 1 being the best possible. The rating for the Intermunicipal Fire Department went up from a 5 and 9 rating to a 3 and 4.
| City | 2022 Rating | Points out of 5000 | Previous Rating | |||
| Homes | Businesses | Homes | Businesses | |||
| Deux-Montagnes | 1 | 3 | 72.65 % | 3A | 5 | |
| Sainte-Marthe-sur-le-Lac | 1 | 4 | 70.84 % | 3B | 9 |
About the Fire Underwriters Survey
FUS is the only recognized firm in the property and casualty insurance industry for the evaluation and rating of public fire protection and has been for nearly 140 years. FUS ratings and the relevant data they generate are used by insurance actuaries for risk pricing and statistical purposes. Insurance premiums in well-protected communities reflect this and are generally lower. Other factors may also influence residential insurance premiums. When renewing their insurance policies, owners and tenants alike are well advised to inform their insurance company of their municipality’s improved fire protection rating.
