Do you have a homeowners or renter’s insurance policy in Washington state? Your insurance company may use WSRB data when setting the part of your premium that covers fire.
Insurance companies are not required to use our Protection Class (PC) data, but many do. If your insurance company uses WSRB PCs, the data is one of several factors affecting your insurance premium.
Has your insurance company told you that your premium change is due to a PC change? We’re happy to answer any questions you have. Contact our Product Solutions team at 206-217-0101 between 7:30 a.m. and 4 p.m., Monday through Friday.
To learn more about the PC evaluation process, read on.
We look at how well-equipped the area is to respond to fires based on four key factors:
Including distribution of stations, staffing levels, equipment, and personnel training.
Including water flow capacity, fire hydrant location, and maintenance.
Including dispatching system, staffing, and training.
Including fire code, building code enforcement, and public fire education programs.
We assign a community a PC from 1 to 10. A PC of 1 represents exemplary fire-defense capabilities; a PC of 10 indicates the community’s capabilities, if any, are insufficient to receive insurance rating credit. Using the community PC as a base, we assign each individual property a PC, factoring in the distance to a recognized responding fire station and the proximity to a standard fire hydrant.