HomeMy WebLinkAbout20152020.tiff 1000 Bishops Gate Blvd.Ste.300
Mt.Laurel NJ 08054-5404
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RECEIVED
June 29, 2015
Mr. MICHAEL HART,Administrator JUL 0 2 285
BERTHOUD FPD wLD COUNTY
P.O. BOX 1229 COMMISSIONERS
BERTHOUD, Colorado, 80513
RE: Berthoud Fpd, Boulder, Larimer, Weld Counties, Colorado
Public Protection Classification: Berthoud, Larimer, Weld (02), Berthoud Fpd, Boulder(02), Berthoud
Fpd, Larimer, Weld(02/10)
Effective Date: October 01, 2015
Dear Mr. MICHAEL HART,
We wish to thank you Mr. MICHAEL HART, Mr. MICHAEL COOK and Mr. STEPHEN CHARLES for your
cooperation during our recent Public Protection Classification (PPC) survey. ISO has completed its
analysis of the structural fire suppression delivery system provided in your community. The
resulting classification is indicated above.
If you would like to know more about your community's PPC classification, or if you would like to
learn about the potential effect of proposed changes to your fire suppression delivery system,
please call us at the phone number listed below.
ISO's Public Protection Classification Program (PPC) plays an important role in the underwriting
process at insurance companies. In fact, most U.S. insurers—including the largest ones—use PPC
information as part of their decision- making when deciding what business to write, coverage's to
offer or prices to charge for personal or commercial property insurance.
Each insurance company independently determines the premiums it charges its policyholders. The
way an insurer uses ISO's information on public fire protection may depend on several things—the
company's fire-loss experience, ratemaking methodology, underwriting guidelines, and its
marketing strategy.
Through ongoing research and loss experience analysis, we identified additional differentiation in
fire loss experience within our PPC program, which resulted in the revised classifications. We based
the differing fire loss experience on the fire suppression capabilities of each community.The new
classifications will improve the predictive value for insurers while benefiting both commercial and
residential property owners. We've published the new classifications as "X" and "Y" —formerly the
"9" and "8B" portion of the split classification, respectively. For example:
• A community currently graded as a split 6/9 classification will now be a split 6/6X
classification; with the "6X" denoting what was formerly classified as "9."
• Similarly, a community currently graded as a split 6/8B classification will now be a
split 6/6Y classification,the "6Y" denoting what was formerly classified as "86."
• Communities graded with single "9" or"8B" classifications will remain intact. 2015-2020
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PPC is important to communities and fire departments as well. Communities whose PPC improves
may get lower insurance prices. PPC also provides fire departments with a valuable benchmark, and
is used by many departments as a valuable tool when planning, budgeting and justifying fire
protection improvements.
ISO appreciates the high level of cooperation extended by local officials during the entire PPC
survey process.The community protection baseline information gathered by ISO is an essential
foundation upon which determination of the relative level of fire protection is made using the Fire
Suppression Rating Schedule.
The classification is a direct result of the information gathered, and is dependent on the resource
levels devoted to fire protection in existence at the time of survey. Material changes in those
resources that occur after the survey is completed may affect the classification.Although ISO
maintains a pro-active process to keep baseline information as current as possible, in the event of
changes please call us at 1-800-444-4554, option 2 to expedite the update activity.
ISO is the leading supplier of data and analytics for the property/casualty insurance industry. Most
insurers use PPC classifications for underwriting and calculating premiums for residential,
commercial and industrial properties.The PPC program is not intended to analyze all aspects of a
comprehensive structural fire suppression delivery system program. It is not for purposes of
determining compliance with any state or local law, nor is it for making loss prevention or life safety
recommendations.
If you have any questions about your classification, please let us know.
Sincerely,
0mltiftee S4h%1` 044
Dominic Santanna
Manager-National Processing Center
cc: Ms. LINDA HOFFMAN,County Executive, BERTHOUD FPD
Ms. BARBARA KERKMEYER,County Executive, BERTHOUD FPD
Ms. DEB GARDNER, County Executive, BERTHOUD FPD
Mr. MICHAEL HART,Administrator, BERTHOUD WATER
Mr. MICHAEL COOK, Engineer, LITTLE THOMPSON-BERTHOUD ZONE
Mr.STEPHEN CHARLES, Chief, Berthoud Fire District Fire Department
Mr. Mark Gaisford, Director, Loveland Emergency Communications Center
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