ISO Public Protection Classification Copyright 2014
City of Dubuque Consent Items # 8.
ITEM TITLE: ISO Public Protection Classification
SUMMARY: Correspondence from the Insurance Service Office (ISO) providing results
of their recent Public Protection Classification survey that provides an
analysis and classification of the structural fire suppression delivery
system for Dubuque.
SUGGESTED DISPOSITION: Suggested Disposition: Receive and File
ATTACHMENTS:
Description Type
❑ ISO PPC Classification Correspondence Supporting Documentation
1000 Bishops Gate Blvd.Ste.300
Mt.Laurel NJ 08054-5404
t 1.800.444.4554 Opt 2
ME R C L IVSD 1
f 1.800.777.3929
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15 JUL 10 AM 10_ 09
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June 29, 2015 City Clerk's Office
Dubuque, 1A
Mr. Roy Buol, Mayor
Dubuque
50 W 13th St
Dubuque, Iowa, 52001
RE: Dubuque, Dubuque County, Iowa
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Public Protection Classification: 03
Effective Date: October 01, 2015
Dear Mr. Roy Buol,
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We wish to thank you Mr. Bob Green and Chief Rick Steines for your cooperation during our recent
Public Protection Classification (PPC) survey. ISO has completed its analysis of the structural fire
suppression delivery system provided in your community.The resulting classification is indicated
above.
If you would like to know more about your community's PPC classification, or if you would like to
learn about the potential effect of proposed changes to your fire suppression delivery system,
please call us at the phone number listed below.
ISO's Public Protection Classification Program (PPC) plays an important role in the underwriting
process at insurance companies. In fact, most U.S. insurers–including the largest ones–use PPC
information as part of their decision- making when deciding what business to write, coverage's to
offer or prices to charge for personal or commercial property insurance.
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Each insurance company independently determines the premiums it charges its policyholders.The
way an insurer uses ISO's information on public fire protection may depend on several things–the
company's fire-loss experience, ratemaking methodology, underwriting guidelines, and its
marketing strategy.
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Through ongoing research and loss experience analysis,we identified additional differentiation in
fire loss experience within our PPC program, which resulted in the revised classifications. We based j
the differing fire loss experience on the fire suppression capabilities of each community. The new
classifications will improve the predictive value for insurers while benefiting both commercial and
residential property owners. We've published the new classifications as "X" and "Y" —formerly the
"9" and "813" portion of the split classification, respectively. For example:
• A community currently graded as a split 6/9 classification will now be a split 6/6X
classification; with the "6X" denoting what was formerly classified as "9." R
• Similarly, a community currently graded as a split 6/813 classification will now be a
split 6/6Y classification, the "6Y" denoting what was formerly classified as"8B."
• Communities graded with single "9" or"813" classifications will remain intact.
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PPC is important to communities and fire departments as well. Communities whose PPC improves
may get lower insurance prices. PPC also provides fire departments with a valuable benchmark, and
is used by many departments as a valuable tool when planning, budgeting and justifying fire l
protection improvements.
ISO appreciates the high level of cooperation extended by local officials during the entire PPC jl
survey process.The community protection baseline information gathered by ISO is an essential
foundation upon which determination of the relative level of fire protection is made using the Fire
Suppression Rating Schedule.
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The classification is a direct result of the information gathered, and is dependent on the resource
levels devoted to fire protection in existence at the time of survey. Material changes in those
resources that occur after the survey is completed may affect the classification. Although ISO
maintains a pro-active process to keep baseline information as current as possible, in the event of
changes please call us at 1-500-444-4554, option 2 to expedite the update activity.
ISO is the leading supplier of data and analytics for the property/casualty insurance industry. Most
insurers use PPC classifications for underwriting and calculating premiums for residential,
commercial and industrial properties.The PPC program is not intended to analyze all aspects of a
comprehensive structural fire suppression delivery system program. It is not for purposes of
determining compliance with any state or local law, nor is it for making loss prevention or life safety
recommendations.
If you have any questions about your classification, please let us know.
Sincerely,
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afft6t& s�ZGtr 'i
Dominic Santanna
Manager-National Processing Center
cc: Mr. Bob Green,Water Superintendent, Dubuque Water Department
Chief Rick Steines,Chief, Dubuque Fire Department
Mr. Mark Murphy, Manager, Dubuque Communication Center
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