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Public Protection Class Grading 9A vs. 10

October 22, 2013

Public Protection Class Grading

Prior to 2010, for a dwelling property to avoid receiving a Protection Class (PC) 10, it had to meet certain criteria:

  1. It had to be within the boundaries of a fire district or city AND
  2. It had to be within 5 road miles of a recognized responding fire station

Any dwelling property more than 5 road miles from a recognized responding station, but in the boundaries of a district, would receive a PC 10, meaning it was treated as though there were no fire protection at that address. But this didn’t reasonably reflect the response capabilities of the fire district to which a homeowner was paying taxes. This not only made it more difficult for homeowners to receive insurance but was also a source of frustration to the fire chiefs.

Effective on 1/1/2010, after multiple meetings and discussions with the Washington Fire Chiefs, WSRB introduced a new Protection Class: 9A. The new PC addressed many of the issues residents were facing.

Any home receiving a PC 9A is:

  1. More than 5 road miles from a recognized responding fire station AND
  2. Within the boundaries of a fire district or city

From 2010 onward, if your insurance company uses this filing, a home within the legal boundaries of a fire district can receive a PC 9A to recognize that the fire department will respond to a call but also accurately reflect that the property is more than 5 road miles from that station. Please keep in mind that this filing is for Washington State only. (Reference Circular 2009-14)

 

Article by: Kristen Skinner

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