Tuesday December 23, 2014

Fire protection services in the City of Napa, as rated by an insurance industry advisory company, have improved from a Class 3 rating to a Class 2 rating. Across California, Napa is one of only 62 communities among 988 graded that have achieved a Class 2 classification.

This classification by Insurance Services Office Inc. (ISO), known as the Public Protection Classification (PPC) program, assesses the fire-protection services and efforts in a particular community. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area’s fire suppression program doesn’t meet ISO’s minimum criteria.
The Fire Suppression Rating Schedule allots credit to three major features of a fire suppression system by evaluating the following:

  • Fire Department: This area accounts for the largest part of the total classification, and focuses on engine companies, ladder companies, distribution of fire stations and fire companies, equipment carried on apparatus, pumping capacity, reserve apparatus, department staffing, training and fire prevention.
  • Water Supply System: This is the second major portion of the total classification highlighting the water supply the community uses for fire suppression, including hydrant size, type, inspections frequency, testing and available fire flow. 
  • Fire Alarm and Communications Systems: This evaluates the community’s ability to handle and dispatch fire alarms.

ISO’s Public Protection Classification Program plays an important role in the underwriting process at insurance companies. Many U.S. insurers use PPC information as part of their decision making when deciding what business to write, coverages to offer, or prices to charge for personal or commercial property insurance.