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Property Underwriting

A guide to key risks in Washington state: fire, wildfire and earthquakes.


Help Center

Self-serve articles on how to use our products. Available 24/7. 

Commercial Property

Information on Loss Costs, policy rating and assessment tools 


InsuranceEDGE

Weekly newsletter covering the P&C industry, curated by our experts. 

Protection Classes

The evaluation process explained from start to finish.


WSRB Blog

News on emerging risks as well as our latest products. 

Library

In-depth content on essential insurance topics.


Industry Toolkit

Links to help you work smarter and serve your customers.  

Media

WSRB is an independent, not-for-profit organization operating in the public interest. 

Our full name is the Washington Surveying and Rating Bureau, and our job is to produce unbiased, accurate data that helps insurance companies evaluate property risk and insurance consumers feel confident their fire insurance rates are fair.

The criteria we use to produce data is approved by the Washington State Office of the Insurance Commissioner.

Most insurance companies writing in Washington state use our data. If an insurer uses our data, that information is one input of several used to determine a premium for fire insurance. Our data doesn't affect pricing for other parts of a policy, such as coverage for theft or weather damage.

The data we provide comes from:

  • Regular evaluations of the fire-defense capabilities of every community in the state.
  • Commercial property inspections done at the request of insurance companies.

To answer questions we often get from insurance consumers, we wrote this article and created this guide to our community evaluation process.

If your community has recently been evaluated, you may be getting calls about property insurance premiums changing. We're happy to answer any questions you have about how our work is related to these changes. Contact us.


 

ANNOUNCEMENT

A Message from our CEO

In response to the novel coronavirus outbreak, we're continuing most of our operations but delaying some commercial property inspections and community evaluations.

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COVID-CEO Message-1
April 23, 2020

Insurance Agents Get New Resources to Help Customers Prepare for Wildfire Season

Agents with better data can educate homeowners and business owners about how to reduce risk.

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