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Additions to Protection Class 9 Criteria Coming Soon

September 30, 2014

The Washington Surveying and Rating Bureau (WSRB) is revising some Protection Classes in Washington State to more accurately classify fire protection capabilities that reduce fire loss.

Through ongoing research in loss experience and fire department capabilities, we have identified the need for a change to WSRB’s Public Protection Classification Manual. This change affects dwelling properties only.

What is the change?

Currently a Protection Class (PC) 9 rating applies to dwelling properties within 5 road miles of only a recognized Class B fire station (see Figure 1). Class B fire stations meet minimum requirements for staffing, apparatus, and equipment.

Figure 1: current PC 9 rating situation

PC 9 classification will continue to apply to the above current situations, and it will also apply to dwellings over 5 road miles but within 7 road miles of a Class A fire station as long as there is a standard fire hydrant within 1,000 feet or the community receives WSRB Tender Credit (see Figure 2). Class A fire stations are staffed and equipped at a higher level than Class B fire stations.

7 mile rules

Figure 2: additional PC 9 rating situation, effective Nov 1, 2014

What is the effect?

These changes give PC 9 credit to dwellings over 5 road miles but within 7 road miles of a recognized responding Class A fire station and within 1000 feet of a creditable water supply. This class is property specific; not all properties in the 5 to 7 road-mile area will qualify. Dwellings not qualifying under these new rules will continue to be rated PC 9A.

PC 10 applies to dwelling property outside the boundaries of any recognized fire district or city.

When will these changes be effective?

These changes have been filed and approved by the Washington State Office of the Insurance Commissioner and will be effective on November 1, 2014. WSRB’s website will reflect these changes to Protection Classes on this date.

Any questions? Please contact WSRB Customer Service at 206-217-0101 or customerservice@wsrb.com.

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