--- title: WSRB Blog | Loss Costs description: Loss Costs | Get the latest updates on property insurance industry trends and WSRB product launches and learn how to get the most from your subscription. --- [![Go to WSRB](https://www1.wsrb.com/hs-fs/hubfs/images/logos/wsrb-logo-white.png?width=120&height=20&name=wsrb-logo-white.png "Go to WSRB")](https://www1.wsrb.com/) [![Go to BuildingMetrix](https://www1.wsrb.com/hs-fs/hubfs/buildingmetrix/logo/inactive-BMI-1.png?width=140&height=23&name=inactive-BMI-1.png "Go to BuildingMetrix")](https://www.buildingmetrix.com/) [![Washington Surveying & Rating Bureau logo](https://www1.wsrb.com/hs-fs/hubfs/images/logos/wsrb-horiz-logo-rgb.png?width=150&height=51&name=wsrb-horiz-logo-rgb.png "Washington Surveying & Rating Bureau logo")](https://www1.wsrb.com/) [![CREATE AN 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our experts.    [![WSRB-Horiz_Logo_RGB](https://www1.wsrb.com/hs-fs/hubfs/images/logos/WSRB-Horiz_Logo_RGB.png?width=150&height=51&name=WSRB-Horiz_Logo_RGB.png "WSRB-Horiz_Logo_RGB")](https://www1.wsrb.com/) [![CREATE AN ACCOUNT](https://no-cache.hubspot.com/cta/default/2459360/aa915923-2069-489f-ac4c-7946d6a68368.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/aa915923-2069-489f-ac4c-7946d6a68368) [![LOG IN](https://no-cache.hubspot.com/cta/default/2459360/04bb3ea0-778f-4261-b716-8cb51be8b93c.png)](https://cta-redirect.hubspot.com/cta/redirect/2459360/04bb3ea0-778f-4261-b716-8cb51be8b93c) ** ** ** #### [About the Company](https://www1.wsrb.com/about) Who we are and how we serve insurers, agents, and Washington state residents.  #### [CEO Perspective](https://www1.wsrb.com/ceo-perspective-wsrb) Engaging thought leadership on key insurance industry issues from our CEO.  #### [Meet the Team](https://www1.wsrb.com/meet-the-team) Get to know the team behind WSRB’s trusted data and excellent customer service.  #### [Careers](https://www1.wsrb.com/careers) Learn about the benefits of working at WSRB and apply for open positions.   #### [Underwriting Property](https://www1.wsrb.com/resources/underwriting-property-risks) A guide to key risks in Washington state: fire, wildfire, and earthquakes. --- #### [Video Hub](https://www1.wsrb.com/video) Expert webinars, timely discussions, and in-depth conversations with industry leaders..  #### [Commercial Property](https://www1.wsrb.com/risk-assessment-guide) Information on loss costs, policy rating, and assessment tools.   --- #### [Industry Toolkit](https://www1.wsrb.com/resources/industry-toolkit) Links to help you work smarter and serve your customers.   #### [Protection Classes](https://www1.wsrb.com/resources/public-protection) The evaluation process explained from start to finish. --- #### [WSRB Blog](https://www1.wsrb.com/blog) News on emerging risks as well as our latest products.  #### [Library](https://www1.wsrb.com/library) In-depth content on essential insurance topics. --- #### [InsuranceEDGE](https://www1.wsrb.com/insuranceedge) Weekly newsletter covering the P/C industry, curated by our experts.  Search **Search filters** Website pages Blog posts Help Center articles Include results from BuildingMetrix.com [![wsrb_white-logo](https://www1.wsrb.com/hs-fs/hubfs/wsrb_white-logo.png?width=100&height=17&name=wsrb_white-logo.png "wsrb_white-logo")](https://www1.wsrb.com/) ** ** ![](https://www1.wsrb.com/hubfs/85-part-vi-featured.jpg) ## [Understanding Rule 85: Specialized Class Rates](https://www1.wsrb.com/blog/understanding-rule-85-specialized-class-rates) September 2, 2025 | 2 min read [Read More →](https://www1.wsrb.com/blog/understanding-rule-85-specialized-class-rates) ### Categories - [Underwriting (37)](https://www1.wsrb.com/blog/tag/underwriting) - [Consumer Resources (26)](https://www1.wsrb.com/blog/tag/consumer-resources) - [Loss Costs 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[Earthquake (4)](https://www1.wsrb.com/blog/tag/earthquake) - [Compliance (3)](https://www1.wsrb.com/blog/tag/compliance) - [Fun (3)](https://www1.wsrb.com/blog/tag/fun) ### Sign up for blog notifications [![](https://www1.wsrb.com/hubfs/ineligible-featured.jpg) ](https://www1.wsrb.com/blog/understanding-rule-85-ineligible-for-class-rates) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Understanding Rule 85: Ineligible for Class Rates](https://www1.wsrb.com/blog/understanding-rule-85-ineligible-for-class-rates) September 2, 2025 | 4 min read [![](https://www1.wsrb.com/hubfs/85-part-iv-featured.jpg) ](https://www1.wsrb.com/blog/understanding-rule-85-who-is-class-rated) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Understanding Rule 85: Who is Class Rated?](https://www1.wsrb.com/blog/understanding-rule-85-who-is-class-rated) September 2, 2025 | 2 min read [![](https://www1.wsrb.com/hubfs/85-part-iii-1.jpg) ](https://www1.wsrb.com/blog/understanding-rule-85-rating-process) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Understanding Rule 85: The Rating Process](https://www1.wsrb.com/blog/understanding-rule-85-rating-process) September 2, 2025 | 2 min read [![](https://www1.wsrb.com/hubfs/CC%20-%20headewr.jpg) ](https://www1.wsrb.com/blog/understanding-rule-85-construction-classes) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Understanding Rule 85: Construction Classes](https://www1.wsrb.com/blog/understanding-rule-85-construction-classes) September 2, 2025 | 4 min read [![](https://www1.wsrb.com/hubfs/85-part-i-1.jpg) ](https://www1.wsrb.com/blog/understanding-rule-85-what-is-class-rated) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Understanding Rule 85: What is Class Rated?](https://www1.wsrb.com/blog/understanding-rule-85-what-is-class-rated) September 2, 2025 | 2 min read [![](https://www1.wsrb.com/hubfs/seattle%20downtown%20earthquake%20classification.png) ](https://www1.wsrb.com/blog/earthquake-building-classifications) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Do You Know Your Earthquake Classifications for Buildings?](https://www1.wsrb.com/blog/earthquake-building-classifications) April 1, 2025 | 3 min read [![](https://www1.wsrb.com/hubfs/rcp-resized.png) ](https://www1.wsrb.com/blog/rcp-codes-demystified) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [RCP Codes Demystified](https://www1.wsrb.com/blog/rcp-codes-demystified) April 5, 2022 | 2 min read [![](https://www1.wsrb.com/hubfs/loss-cost-inspection-warehouse.jpg) ](https://www1.wsrb.com/blog/loss-costs-quick-reference-guide) [Loss Costs](https://www1.wsrb.com/blog/tag/loss-costs) ### [Loss Costs: A Quick Reference Guide](https://www1.wsrb.com/blog/loss-costs-quick-reference-guide) March 8, 2022 | 6 min read [See More](https://www1.wsrb.com/blog/tag/loss-costs/page/2) ![Washington Surveying & Rating Bureau logo](https://www1.wsrb.com/hs-fs/hubfs/wsrb_white-logo.png?width=200&height=34&name=wsrb_white-logo.png "Washington Surveying & Rating Bureau logo") Phone: 206-217-0101 Hours: 7:30 AM - 4:00 PM   [Site Map](https://www1.wsrb.com/vis-sitemap) COMPANY RESOURCES FROM OUR BLOG Copyright © 1911 – 2026 WSRB. All Rights Reserved. ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "contentUrl" : "https://2459360.fs1.hubspotusercontent-na1.net/hubfs/2459360/video_assets/216900317190/inherited/web_optimized.mp4", "dateModified" : "2026-07-10T17:04:34.060Z", "duration" : "PT9M27.734S", "height" : 2160, "name" : "Rule 85 - Quick 15", "thumbnailUrl" : "https://api-na1.hubspot.com/filemanager/api/v3/files/thumbnail-redirect/216900317190?portalId=2459360&size=medium", "uploadDate" : "2026-07-10T16:57:31.221Z", "width" : 3840 } ```