New Classification could lower insurance costs for Thornton citizens

FROM The Texas Department of Insurance State Fire Marshal’s Office

TO Mr. Paul Miller, Fire Chief of Thornton

 

Dear Mr. Miller:

Insurance Services Office (ISO) has submitted a recommendation concerning your community’s Public Protection Classification (PPC). Currently, the Community’s Public Protection Classification is a Class 10.

Insurance Services Office is recommending that the classification be changed to a split Class 6/6X, with and effective date of 05/01/2018. The recommendation is based on a review of your community performed on 07/27/2017 and does not include application of the Addendum to the Fire Suppression Rating Schedule.

With a split Class 6/6X, all class-rated properties located within 1000 feet of a fire hydrant or water supply suction point and within 5 miles of a fire station will use Class 6. All class-rated properties located farther than 1000 feet of a fire hydrant or water supply suction point and within 5 miles of a fire station will use Class 6X.

Public Protection Classifications range from 1 (best) to 10 (worst).

We have reviewed the information provided and believe it is sufficient to grant approval. Enclosed id a PPC Submittal sheet indicating point totals for the major areas associated with the review. The Insurance Services Office will be notified of our approval of their recommendations and the 05/01/2018 effective date.

If you have any questions regarding this change, I may be reached at the address indicated above or by telephone at (512) 676-6784.

Please make sure all community officials and residents within your district are notified of the new Public Protection Classification rating for your community, and the effective date.

Sincerely,

Jesse James Williams, Deputy State Fire Marshal, PPC Oversight Officer

Jesse.williams@tdi.texas.gov

 

 

PPC Submittal

Municipality: Thornton

County: Limestone

Population: 2500

Surveyed: 07/27/2017

Total Credit: 47.67- 6/6X

Submitted: 12/01/2017

Effective Date: 05/01/2018

Place Code: 29351

Addendum Applied: 07/27/2017

 

Summary of Assigned Credit

FEATURE

ASSIGNED CREDIT

ADDENDUM CREDIT

MAXIMUM CREDIT

 

 

 

TEXAS

Emergency Communications

5.35

 

10.00

Water Supply

38.60

 

40.00

Fire Department

15.07

 

50.00

Texas State Training (CTT)

 

.59

3.26

FSRS Community Risk Reduction

 

1.10

5.50

Texas Addendum Credit (CAFS)

 

0.00

1.00

*Divergence

<13.04>

 

 

Total Points

45.98

1.69

109.76

 

The Public Protection Class is based on the total percentage credit as follows:

Class

 

Percentage %

1

 

90.00 or more

2

 

80.00 to 89.99

3

 

70.00 to 79.99

4

 

60.00 to 69.99

5

 

50.00 to 59.99

6

 

40.00 to 49.99

7

 

30.00 to 39.99

8

 

20.00 to 29.99

9

 

10.00 to 19.99

10

 

0 to 9.99

 

Divergence is a reduction in credit to reflect a difference in the relative credits for the Fire Department and Water Supply.

 

The difference in protection provided by the fire department and the water supply prevents the better feature from being utilized to its fullest extent. Therefore, and adjustment (divergence) is made to reflect any difference between these two features. Because of the difference in the total weights assigned to the two features, the total for the Fire Department is adjusted to make the comparison reflect the relative adequacies of the two features.

Divergence = 50% (100% water supply credit – 80% of the fire department credit)

Groesbeck Journal

P.O. Box 440
Groesbeck, TX 76642
Phone: 254-729-5103
Fax: 254-729-0362