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Public Protection Class Grading 9A vs. 10

Posted by WSRB on October 22, 2013


Prior to 2010, for a dwelling property to avoid receiving a Protection Class (PC) 10, it had to meet certain criteria:

  1. It had to be within the boundaries of a fire district or city AND
  2. It had to be within 5 road miles of a recognized responding fire station

Any dwelling property more than 5 road miles from a recognized responding station, but in the boundaries of a district, would receive a PC 10, meaning it was treated as though there were no fire protection at that address. But this didn’t reasonably reflect the response capabilities of the fire district to which a homeowner was paying taxes. This not only made it more difficult for homeowners to receive insurance but was also a source of frustration to the fire chiefs.

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Topics: Insurance underwriting, loss cost, PC 10, Protection class, fire hydrants, insurance, Home Fire Protection