Tecumseh Receives ISO Rating of Class 5/9

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The City of Tecumseh and its Fire and Utilities Departments have worked diligently to make improvements to the Fire Department and the City’s water system in preparation for an ISO (Insurance Services Office) reclassification. ISO reevaluation occurred in January 2012, and the City has received notification of the new Public Protection Classification rating for Tecumseh. With the recent improvements, Tecumseh has received a rating of Class 5/9, down from the existing rating of Class 7/9. The new classification takes effect on July 1, 2012.

Tecumseh has achieved this new status with improved well performance, repairs and upgrades to infrastructure, better maintenance programs and documentation by the Utilities Department. In addition, the purchase of new firefighting apparatus such as the pumper/ladder, pumper/tanker trucks and the training center at the Fire Department have contributed to the new ranking. As well as improved documentation and higher training levels of the firefighting personnel.

ISO through its PPC (Public Protection Classification) helps establish appropriate fire insurance premiums for residential and commercial properties. Insurance companies need reliable up-to-date information about a community's fire-protection services.

ISO collects information on municipal fire-protection efforts in communities throughout the United States. In each of those communities, ISO analyzes the relevant data using its Fire Suppression Rating Schedule. It then assigns a Public Protection Classification from 1 to 10. Class 1 represents exemplary public protection, and Class 10 indicates that the area's fire-suppression program doesn't meet ISO's minimum criteria. ISO develops a split classification (for example, 5/9). The first class (Class 5 in the example) applies to properties within five road miles of a fire station and within 1,000 feet of a fire hydrant. The second class (Class 9 in the example) applies to properties within five road miles of a fire station but beyond 1,000 feet of a hydrant. ISO generally assigns Class 10 to properties beyond five road miles.

To determine a community's Public Protection Classification, ISO conducts a field survey. Expert ISO staff visit the community to observe and evaluate features of the fire-protection systems. Using a manual called the Fire Suppression Rating Schedule, ISO objectively evaluates three major areas:

  • The fire department
    A review of the fire department accounts for 50% of the total classification. ISO focuses on a fire department's first-alarm response and initial attack to minimize potential loss. Here, ISO reviews such items as engine companies, ladder or service companies, distribution of fire stations and fire companies, equipment carried on apparatus, pumping capacity, reserve apparatus, department personnel, and training.
  • The water supply
    A review of the water-supply system accounts for 40% of the total classification. ISO reviews the water supply a community uses to determine the adequacy for fire-suppression purposes. It also considers hydrant size, type, and installation, as well as the inspection frequency and condition of fire hydrants.
  • Fire alarm and communications systems
    A review of the fire alarm system accounts for 10% of the total classification. The review focuses on the community's facilities and support for handling and dispatching fire alarms.

The rating directly impacts the premiums some insurance companies charge for homeowner’s coverage.

What does all of this mean? This means that because of our lower rating if you live within 5 road miles of the Tecumseh Fire Station and within 1,000 feet of a fire hydrant you should contact your insurance carrier to take advantage of the new PPC 5 rating.