ISO is the leading supplier of statistical, underwriting, and actuarial information for the property / casualty insurance industry. Most insurers use the PPC classifications (Public Protection Classification) for underwriting and calculating premiums for residential, commercial, and industrial properties.
To determine a community's PPC, ISO conducts a field survey. Expert ISO staff visit the community to observe and evaluate features of the fire-protection systems.
Using a manual called the Fire Suppression Rating Schedule (FSRS), ISO objectively evaluates three major areas:
For more information about the Insurance Services Office and Public Protection Classification process, please visit their web site at: www.isomitigation.com
Insurance Services Office (ISO) has submitted a recommendation concerning your community’s Public Protection Classification (PPC). Currently, the Community’s Public Protection Classification rating is a Class 5/9.
Insurance Services Office is recommending that the classification be changed to a split Class 3/10, with an effective date of 02/01/2012. The recommendation is based on a review of your community performed on 01/27/2011 and does include application of the Texas Addendum.
With a split Class 3/10, all class-rated properties located within 5 miles of a fire station will use Class 3. All class-rated properties located farther than 5 miles of a fire station will use Class 10. With the alternative water supply grading, hydrant distance does not apply.
Print this letter from the Texas Department of Insurance, to receive the latest ISO Class Rating information for your insurance agent.