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West U’s Top Rating May Save on Insurance

January 7, 2015 By:Anne Marie Kilday

Local News

West U residents may want to contact their property insurance provider,  as residents may be eligible for a reduced property insurance premium due to the city of West University Place’s upgraded status from the Texas Department of Insurance.

The city recently reduced an updated ISO public protection classification from the Texas Department of Insurance, from Class 2 to Class 1, the highest rating a city can received.

“The upgrade in ISO classification is significant because Class 1 represents exemplary fire protection,” said City Manager Michael Ross. “It is the highest level of fire protection and we are so proud of the outstanding work of our West U Fire Department, Public Works Department and city dispatch to achieve this level.”

The PPC rating measures a community’s structure fire suppression system capabilities and is used by most insurance underwriters as a tool to determine insurance rates for residential and commercial insurance policies. Public Protection Classifications rate communities on a scale of 1 to 10. Class 1 represents exemplary fire protection and Class 10 does not meet minimum recognition.

The city of West U has steadily upgraded its PPC rating, from a Class 5 in 1998, to Class 2 in 2002, and most recently, to Class 1. That result has been a reduction in homeowner’s insurance rates by approximately 14 percent.

The ISO rates approximately 48,000 cities and communities nationwide. Of these 48,000 communities, only 60 communities nationwide, 18 of which are in Texas, have earned ISO’s highest rating, Class 1. These numbers are based on ISO’s 2014 published countrywide distribution of communities.

A PPC evaluation assesses fire suppression capabilities by evaluating 3 main categories:

  • 50 percent of point total- Fire Department
  • 40 percent of point total – Water Distribution System
  • 10 percent of point total – Emergency Communications (dispatch)

To learn more about fire protection in West U, visit www.westutx.gov.

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