Coweta County News

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Some Good News

Post Date:03/29/2019 12:56 PM


Coweta County’s ISO Rating is dropping from 4 to 3 effective July 01, 2019!

The Insurance Services Office (ISO) Public Protection Classification Program (PPC) plays an important role in the underwriting process at insurance companies. PPC is the countrywide classification system used by ISO to reflect a community's local fire protection for property insurance rating purposes. PPC rankings run from 1 (best) to 10 (worst).

Each insurance company independently determines the premiums it charges its policyholders. The way an insurer uses ISO's information on public fire protection may depend on several things - the company's fire-loss experience, ratemaking methodology, underwriting guidelines, and its marketing strategy.

Some companies may not use ISO, but for those that do, they assign a rating factor to each classification. If a community’s PPC improves, in general, the premiums insurers charge will decrease; if the PPC deteriorates, then premiums will increase. Insurers determine how much each PPC affects premium based on their own experience, so rating factors vary by insurer. To find out how your new PPC affects how much you pay for insurance, contact your insurer.

“I am incredibly pleased with the efforts of our Fire Rescue team regarding ISO’s evaluation,” says Coweta County Administrator Michael Fouts, “additional staffing assisted with this rating reduction, which will now provide direct savings to our citizens with insurance policies.”


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