The Insurance Services Office, Inc. (ISO) has for many years done
evaluations and ratings of the fire protection provided in communities. This
system is called the ISO Public Protection Classification program,
or PPC. The PPC process grades a community's fire
protection on a scale of 1-10, based on ISO's Fire Suppression
Rating Schedule.
Some insurance companies use ISO's PPC evaluations as
a factor in setting the premiums they charge for property insurance; the better
the community's PPC grade, the lower the premiums the insurance
company would charge for property insurance in that community.
ISO's data on fire losses indicates that communities with better fire protection
as evaluated by the PPC do in fact tend to have lower losses from
fire damage than other communities.
evaluations and ratings of the fire protection provided in communities. This
system is called the ISO Public Protection Classification program,
or PPC. The PPC process grades a community's fire
protection on a scale of 1-10, based on ISO's Fire Suppression
Rating Schedule.
Some insurance companies use ISO's PPC evaluations as
a factor in setting the premiums they charge for property insurance; the better
the community's PPC grade, the lower the premiums the insurance
company would charge for property insurance in that community.
ISO's data on fire losses indicates that communities with better fire protection
as evaluated by the PPC do in fact tend to have lower losses from
fire damage than other communities.
MVFD had recently tried to decrease the ISO rating of a 9, which became effective in 1981.
The improvement of the rating, from a class 9 to a class 4 became effective on August 1 2016,
For some insurers
this translates into a reduction in homeowner fire insurance premiums in the Mowbray Volunteer Fire
District. The actual reduction in premiums varies and is dependent on your
individual insurance company.
There is an additional factor involved in
the homeowners' reduction in fire insurance premiums. Even though the
ISO rating gets improved to level 4, typically the homeowner
must be within 5 miles of the fire station and within 1000 ft. of a hydrant to
qualify for a premium reduction.
This factor could be alleviated by
the use of tanker shuttles; the Department was able
to provide a Tanker-Shuttle system with the purchase of
a new 2500gal tanker which provided enough water so
that these restrictions no longer apply.
In theory the entire MVFD
District could benefit with our New improved ISO
rating of Class 4.
The improvement of the rating, from a class 9 to a class 4 became effective on August 1 2016,
For some insurers
this translates into a reduction in homeowner fire insurance premiums in the Mowbray Volunteer Fire
District. The actual reduction in premiums varies and is dependent on your
individual insurance company.
There is an additional factor involved in
the homeowners' reduction in fire insurance premiums. Even though the
ISO rating gets improved to level 4, typically the homeowner
must be within 5 miles of the fire station and within 1000 ft. of a hydrant to
qualify for a premium reduction.
This factor could be alleviated by
the use of tanker shuttles; the Department was able
to provide a Tanker-Shuttle system with the purchase of
a new 2500gal tanker which provided enough water so
that these restrictions no longer apply.
In theory the entire MVFD
District could benefit with our New improved ISO
rating of Class 4.