ISO RATING INFORMATION - Information for Home Owners Insurance

 

 ISO

A Verisk Analytic Company

4 B Eves Drive, Suite 200      P.O. Box 961      Marlton, NJ 08053-3112

Tel:(856) 985·5800       Fax:(856) 81()-9065

 

May 30, 2022

 

Cloverdale FD FDS, Deschutes County, OR Public Protection Classification: 3 / 10

Effective Date:  September 1, 2022

 

We wish to thank Fire Chief Thad Olsen 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.

 

Enclosed is a summary of the ISO analysis of your fire suppression services. 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.

 

Each insurance company  independently  determines the premiums it charges its policyholders. The way an insurer uses lSO's information on public fire protection may depend on several things- the company's fire-loss experience, rate-making methodology, underwriting guidelines, and its marketing strategy.

 

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 fife 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.