The purpose of this Schedule is to outline the criteria for evaluating the fire prevention and fire suppression capabilities of individual communities — or fire protection areas. The purpose of such an evaluation is to develop a Public Protection Classification (PPC) for property insurance rating.
The Schedule measures the major elements of a fire protection area’s fire prevention and fire suppression systems. The fire suppression component evaluates how those systems address reported structure fires. The Schedule gives procedures and formulas for developing the measurements into a Public Protection Classification number on a relative scale from 1 to 10, with 10 representing less than the minimum recognized protection.
A Public Protection Classification developed by this Schedule is only one of several elements used to develop the property insurance loss cost and underwriting information for an individual property. Other features specifically relating to the individual property — such as construction, occupancy and hazards, exposures and private fire protection — are also important in the evaluation of property insurance loss costs and underwriting.
To view the Rating Schedule, Click Here.
