ISO Report 2017I S 0
February 27, 2017
Mr. James Realph, Mayor
Blair FPSA
218 S. 16th St.
Blair, Nebraska, 68008
RE: Blair Fpsa, Washington County, Nebraska
Public Protection Classification: 03/3Y
Effective Date: June 01, 2017
Dear Mr. James Realph,
FY.Ew
1000 Bishops Gate Blvd. Ste 300
Mt. Laurel, NJ 08054-5404
t1.800.444.4554 Opt.2
f1.800.777.3929
We wish to thank you Mr. Al Shoemaker and Chief Heath Reyzlik 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.
Please note that as part of our analysis it was determined that the following fire station(s) did not
meet the minimum requirements for recognition: Blair FS 1 Fire Station is not recognized.
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.
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.
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
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 "86" 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."
• 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 "813."
• Communities graded with single "9" or "813" classifications will remain intact.
• Properties over 5 road miles from a recognized fire station would receive a class 10.
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
protection improvements.
ISO appreciates the high level of cooperation extended by local officials during the entire PPC
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.
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 1-800-444-4554, 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,
V eot & .5406WO4
Dominic Santanna
Manager -National Processing Center
cc: Mr. Al Shoemaker, Director of Public Works, Blair Water Department
Chief Heath Reyzlik, Chief, Blair Fire Department
Mr. Brent Grove, Communications Supervisor, Washington County Sheriffs Office
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