In our analysis, data showed that loss experience for areas within 5 miles of a fire station but greater than 1,000 feet from a water source (therefore assigned Split Class 9) was more favorable than in those communities where we graded the entire fire protection area a “Single” Class 9. The analysis noted the same favorable loss experience for Split Class 8B communities when compared with communities where we classified the entire fire protection area as a Single Class 8B. Based on that analysis, we’re introducing new PPC rules and factors to reflect the reduced loss potential.
We also reviewed loss experience for risks more than 5 road-miles from a responding fire station. We had assigned those risks a grade of 10. But data showed that risks located between 5 and 7 road-miles from a responding fire station and within 1,000 feet of a creditable water source had better loss experience than those farther than 5 miles from a responding fire station with no creditable water source. As a result, we introduced a Water 10 class (or 10W) to recognize the reduced loss potential of such areas.