Fire Insurance Rating Class 3
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INSURANCE SERVICES OFFICE
OF KANSAS
MIDWAY
USA
6220 S. W. 29TH STREET. TOPEKA. KANSAS 66614
TELEPHONE: (9131273-5742
November 15, 1982
Certified Mail
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Mr. Rufus L. Nye, City Manager
Municipal Building - 300 W. Ash
Salina, Kansas 67401
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Dear Mr. Nye:
We wish to thank you, Fire Chief Dave Robertson, George Seagraves,
J. Wesley Morris, and others for the cooperation given to our
representative during our recent survey. We have completed our
evaluation of the fire insurance classification for your city and
advise that the fire protection class has improved to Class 3.
Formerly Class 5 applied; the new classification will result in a
decrease in the fire insurance rates for many insured commercial
and residential properties within the city. The new rates will
be effective on January 1, 1983.
..._-_._--_.~
The purpose of our visit was to gather information needed to
determine a fire insurance classification which may be used to
develop fire insurance rates. This survey was not conducted for
property loss prevention or life safety purposes and no life safety
or property loss prevention recommendations will be made.
The change from Class 5 to Class 3 does not affect rates for
sprinklered properties or residential occupancies insured under
Homeowners type policies and some other specifically rated property.
The change will affect typical mercantile properties to a degree
depending upon the type of building construction, the hazard of
occupancy and other rating factors. The overall effect is usually
about -8.5% for wood frame buildings, -13.0% for masonry buildings
and -3.0% for fire-resistive buildings. However, variations in
construction, occupancy and private protection can result in in-
creases or decreases from this average.
The reduction will be -12% for residential occupancies insured under
the Kansas Dwelling Schedule.
The above estimates apply only for insurance companies using ISO
rates. However, numerous insurance companies use other than ISO
rates so that the effect of the change in class may be different
for their policyholders.
The city classification applies to properties with a needed fire
flow of 3500 gpm or less. The private and public protection at
properties with larger fire flows are evaluated individually, and
may vary from the city classification.
I
,
Rufus L. Nye
-2-
We are attaching a copy of our Grading Sheet and the results of the
fire flow tests used in this grading. Extra copies of this letter
and attachments are also enclosed so that you may distribute them
to other interested parties if you desire to do so.
If you have any questions concerning the new classification, or
the resulting change in fire insurance rates, please let us know.
Yours very truly,
O~ ~. rttft5
Omar A. Huff
Manager
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INSURANCE SERVICES
OF KANSAS
OFFICE
MIDWAY
6220 S. W. 29TH STREET, TOPEKA. KANS/\S 66614
USA
TELEPHONE, (9131273_5742
GRADING SHEET FOR SALINA, KANSAS
Public Protection Class: 3
Surveyed: September, 1982
Credit:
79.16
Receiving and Handling Fire Alarms.. ....... ......
Fir e De par tm e n t. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Wa ter SuPPly.....................................
*Divergence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8.30
37.37
37.09
-3.60
The Public Protection Class is based on the total percentage credit
as follows:
Class
1
2
3
4
5
%
90.00 or more
80.00 to 89.99
70.00 to 79.99.............
60.00 to 69.99
50.00 to 59.99
40.00 to 49.99
30.00 to 39.99
20.00 to 29.99
10.00 to 19.99
0 to 9.99
6
..,
I
8
9
10
*Diversance is a reduction in credit to reflect a difference in the
rela~ivc credits fo~ Fire Department and Water Supply.
The ab0ve classific2tion has been developed for fire insurance
_ating.purpdses only:
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City -S1~_____ State _~__ ,ip 6:7 '/'01_ t1i'ne"'.d by _S"'tV.v'4 r: L___ 1>ate _____~~___,~
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fOTAL STATIC 'REsrp.
FLiA'-GPM
FLm;
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RE:r'.ARKS I
INDIVIDUAL
HYDIU.NT S
I
7000 t =1
:~*----l
000 t- I
<ANI) ....tell 0 .s I. .s .:!. /00<' '1'( D " I I
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iQw~.il ., / ~o '5S '>'0 1-L9o~i -l3~"L___---j
, I:S "" _r IltoN €A5rj i I .//'0 b-1~~~DO!_,__,___,:
.' I I I 1 ' i I I ! I I' :
I,--L~~ SJ/",,-9 _E~L ~ 0 7/ ~ ---~iit',,~ ----L__L_ _,I..'t~ 0-1_D _ ~,,:["Q _ i -ls D ~~-'" 7".0 L, '_ _ _ _.;
I A I I , I, "I I I
l'L..-~i / ~~- Go~ E>__ - h'N1!r~I, "L" -~ -- - J"$i'':~ ~,L 1....; !?.13.'E~_ j/.-po 'L__ u _:
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LL~_~~Af~ 3t.4', LhsL!"L___ _ ~!;1"1f1(t--------._--_ ---i- ----JiL~5 8_ -L-~~__lL~_?o_! /_8fJo_L __ _ ____1
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I..JL-' 1f'~:s ihr-9NKl"" V~UIMN ~N.Jf'~ ---;-----+---_j1LI. '" i--~~$O~f Q~T-~OOt - --- - -----1
f I-L - ~ Wf:plf(;>L4&~dY -i~.f4 ------1_ - -+---1 W;.Q...~.5' 6_[' _$ ~__ 3~Q -131fC: 01-- - - __ __ ---I
~, ...... 'J t:1 f: ,., Q/t r /I ---- f~N'l.! -111-1- -+_ ---+ .21' (~_, f>__ 1fL J",,>cO"i "J'."-g, 01 _H - --i
tl~--l~~J~N~~~~~~-_j~~~t-_-1 -, T-~l~y-~:t~~~J y~{~O~]~~Oj_=_-_-_-j
11H: ABOIT USIED NEEDED n hE "Vi'" ";;1 1'0', ":>L'S~. T k.^ II::" r I'K,'l': Ee' ',"L.,- ''''D HE. ,-,''1' INTE::rEr!" n' "'; C5 "''I: ':,',':r "';
AN cJl' "I OF WATER RE QUIRE D F OR A L'Y GE SU LL F H: i C:", D 11!l" , TH E A V _41 LA E IE FL OJ " ""Ie I ND r CA IE -n 11 (' iON]) 1 'JI OJ,' 'm",
EXISTED AT THE T:e'IE AND AT THE LlJl:ATl0r; i.;HEI~L TT::~;T5 'i.irk:: hTl1\ESSED.
*COi:JID == Commercial; Res:: ResidenUal.
**Needed 15 the rae of f 1"" for a "P"'if i, dur.,ti"" fa,' " full 'redit condition, Needed Fire Flo,," gre..'er
than 3. 500 gp.. are not ,; onsider ect in de t ermiai ng t he d" 5 s' f koticn of l he tit\' ~hen u ci DG tne F" e S 'I pre 55 j "'I
Rating Schedule. -
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City $~'!JPJL,_,_ "tote ~__ Zip U'1'O/_ "'itnHsed by SALhV<1 r. D.
HYDRA!\T FLOW [,ATA SUrrU.FY
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~_ Jjate ___.~_6'~
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iTEST
NO.
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'l'lFE, /: nCT tOCA TI ON
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FLC\.'-GPM
PRESSURE
FLO\\
RUlARKS l
00
IC"-~AN/) E..t;tAt St s ~ "'I." t~
'S ~6"~AL ~ / ~o ' SS 170 1 .1300t' _ I
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/?~S ,,~ ONT ./~ON tl €A.5J.'"+-. I I ,://'0. ! ~__! .so I oc. ~D~ .-i
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/' s -1~... I S4NM nj 0 7/ ~---- ~l'-4i+-_---~-____L______iL2'.t 0_ r-'...i- -l- ~ -<So ~ .1]0-"+ ' __~
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~ 9 J~~ I ,l?I "- - Gol../) - .---j(~N~,-fJrl . _ ...L.----.__J _____JPlS~~ +-,..3 _Li._Q...~ E~~L,2~~~______~
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kJL-1~""'''~6' d"_L1'54"L..-'rl;1'~~--!---T'---il~8-1 y~ $'00 1.1?~~------1
rL-- ~.s' :fNku... I' -&~/MN-r";;p~ ---; ! -+~+~~i SO DD J'FOO+-----l
1- ~ :~~';;~dy-ft:.::t=j-=~j ;~t;t::-.s~ ~::~=-~~~-=-~-l
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AN~~ ..('2~--_r!!lr--T ----t-- I'I"'O~__~__ ,'f~_, ~DOO t.Lfoo+ --1
L. ,--'-- ---------. - . -L----L---.L---_L___L_n-.l___L ___ ~-Ln___J
'J1'E ABO',T LISTEn NEEDED FIRE FLel:.' Ai.]' Fe? 1 ~'''!'-'\CF ,ATH;r, PURPOSFS ONLY AKD P.RE ''''T INIT~DE" I" ppfrlC" ',lIE 'AXn'!',
Al1nUNT OF WATER REQUIRED FOh A 'I'GL SC,'>!l Flf:f C"!CDll1l", THE AVAILABLE FLWS 0M,riNDICATE TIlE C,ll;r'ITI"';,; m\T
EXISTED AT THE TDiE AND AT THE LOCA11C:; '.~HE[: Tr:~)T~ i.JI:l{E lnT~~ESSED.
*Comm ~ Commercial; Res = Resid~nli~l.
**Needed is the rate of flo~ for d specific dUT4tion for a full credit condition. Needed FiTe Flows gre,'tor
thnn 3,500 gpm are not considered iu detormining the das,Ulcetion of the city ).-hen u'iog the Fire S"fi'rc"s;nn
Rating Schedule. -
INDIVIDUAL
HYDRANTS
TOTAL