ISO
The Insurance Services Office, Inc. (ISO) is a company that provides
a leading source of information about risk for the property &
casualty insurance industry. They supply data, analytics and decision-support
services for professionals in many fields, including; insurance,
finance, real estate, health services, government and human resources.
Its products help customers measure, manage and reduce risk.
ISO is used by insurance companies in most states to evaluate fire
departments for the purpose of establishing insurance premiums in
the local areas. In states using ISO; Fire Alarm, Fire Department,
and Water Supply are measured in the Fire Suppression Rating Schedule
(FSRS).
This schedule reviews the major elements of a community’s
fire-suppression system and develops a numerical grading called
a Public Protection Classification (PPC). Within this grading there
are 10 classifications, which define different levels of public
fire suppression capabilities. These are reflected in individual
property fire insurance relativities. A classification of 1 is the
best and a classification of 10 would be the worst (having no recognized
fire protection).
ISO Classification (PPC)
In obtaining an ISO Classification, the grading is broken down
into three major categories. They are:
- Receiving and Handling of Fire Alarms -
- Fire Department -
- Water Supply -
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- 10 % = 10 points
- 50 % = 50 points
- 40 % = 40 points
- 100 % = 100 points
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For more ISO information please consult the ISO Fire Suppression
Rating Schedule. This publication can be purchased by downloading
an order form from the ISO web site www.isomitigation.com
or www.iso.com or call them
at 800-444-4554.
If I can be of further assistance please call or fax me at
256-307-1433.
Thanks,
Stan Merrett - Owner, ETT, L.L.C.
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