Can One Fire Affect Our Community’s PPC™?

ISO’s Public Protection Classification (PPC™) program evaluates a community’s overall capability to suppress structure fires. Most U.S. insurers of homes and business property use the PPC in calculating premiums. In general, the price of fire insurance in a community with a good PPC is substantially lower than in a community with a poor PPC, assuming all other factors are equal.

ISO’s evaluation looks at your community’s fire alarm and communications systems, water-supply system, and fire department. For the fire department, the evaluation includes criteria for apparatus, equipment, staffing, training, and the geographical distribution of fire companies. Your community’s PPC depends on your performance on all those measures, as set forth in ISO’s Fire Suppression Rating Schedule.

Fires occur despite the best efforts of municipal governments and fire departments to prevent them. So the occurrence of a single fire — even with serious results — does not normally affect the PPC assigned to the community. However, if the review of a single fire reveals facts suggesting systemic deficiencies on ISO’s evaluation criteria, ISO will consult with municipal officials to determine whether a reevaluation is appropriate.

Looking for something else? Try one of these sites for:

» Fire Chiefs
» Government Officials
» Insurers
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