Floyd County Fire Department Improves Rating In Fire Protection PDF Print E-mail

Recently the Lafayette Township fire Protection District underwent a Public Protection Classification Survey (PPC). This was completed by the Chicago office of ISO with the cooperation of the Floyds Knobs Water Company, Borden Tri-County Water Company, Edwardsville Water Company and the Lafayette Township Board of Fire Trustees.
The PPC rating given was a 5/9 from a previous rating 7/9.
The Public Protection Classification Program (PPC) plays an important part in insurance companies’ underwriting decisions. Most insurers, large and small, use the PPC information to decide what businesses to write, coverage’s to offer, and prices to charge for personal or commercial property insurance.
The way an insurer uses the ISO’S information on fire protection may depend on several factors: the company’s fire-loss experience, ratemaking methodology, underwriting guidelines, and marketing strategy. Communities where ISO ratings improve may be provided with lower insurance prices. The department itself can use this bench mark as a valuable tool when planning, budgeting, and justifying protection improvements.
Thanks to the high level of cooperation and information that was provided by all officials listed above, the relative level of fire protection was determined using the Fire Protection Rating Schedule. The result of the information gathered was a split classification of 5/9. The Fire District and ISO continue to update this information and will complete a new survey next year when new equipment and apparatus are in place and in operation.
The PPC program is not intended to analyze all aspects of the fire department’s ability to fight structure fires or to determine its compliance with local or state law. It is also not for making loss prevention or life safety recommendations.
How the PPC program information is gathered by ISO
ISO PPC program evaluates communities with a uniform set of criteria defined by the Fire Suppression Rating Schedule (FSRS). These criteria incorporate nationally recognized standards developed by the National Fire Protection Association (NFPA) and American Water Works (AWWA).
By using the FSRS, ISO can review the fire suppression abilities of a community and be given a PPC number from 1-10. Class 1 being the highest rated fire protection and class 10 not meeting minimum fire suppression criteria set by the FSRS. If all factors are equal, the price of property insurance in a community with a good PPC rating is lower than one with a PPC that was poor.
The FSRS gives credit by evaluating three major features:
• Fire alarm and communications system- This accounts for ten percent of the classification. It involves the facilities for fire dispatches and the way they are handled.
• The Fire department itself- This accounts for fifty percent of the total classification. It centers on the apparatus, locations of fire houses, manpower and training.
• Water supply system- this accounts for forty percent of the classification. It highlights the water supply used for fire suppression.
Split Classifications
In a split classification, like the one Lafayette Twp. received, the first class is properties within five road miles from and 1000 feet of a fire hydrant. The second class applies to those properties more than 1000 feet from a hydrant but within 5 road miles of a fire house.
Below is a summary chart from ISO for country wide PPC. Lafayette Township, with its classification of 5/9, falls in the 12.4 percentile.

Last Updated on Wednesday, 02 November 2011 09:11