ISO Class 1 Department
On Monday, December 4, 2006, the City of Mesquite was awarded a plaque recognizing the Mesquite Fire Department as an ISO Class 1 Department. An ISO Class 1 rating represents superior property fire protection throughout the City. It is a distinction that has been achieved by less than 60 communities nationwide, and it translates to lower fire insurance rates for our citizens and business owners.
What is ISO?
ISO (Insurance Services Office) is the leading supplier of statistical, underwriting, and actuarial information for the property/casualty insurance industry. Most insurers use the PPC (Public Protection Classification) for underwriting and calculating premiums for residential, commercial and industrial properties.
How does ISO assign a rating?
To determine a community's PPC, ISO conducts a field survey. Expert ISO staff visit the community to observe and evaluate features of its fire-protection services.
Using a manual called the Fire Suppression Rating Schedule (FSRS), ISO objectively evaluates three major areas:
2. The Fire Department: A review of the fire department itself accounts for 50% of the total classification. ISO focuses on a fire department's first-alarm response and initial attack to minimize potential loss. Here, ISO reviews such items as engine companies, ladder or service companies, distribution of fire stations and fire companies, equipment carried on apparatus, pumping capacity, reserve apparatus, department personnel and training.
3. Water Supply: A review of the water-supply system accounts for 40% of the total classification. ISO reviews the water supply a community uses to determine its adequacy for fire-suppression purposes. Factors include hydrant size, type and installation, as well as the inspection frequency and condition of fire hydrants.
For more information about the Insurance Services Office and Public Protection Classification process, please visit their website at: http://www.isomitigation.com.