The Heber-Overgaard Fire District is proud to remind residents and business owners that the Fire District received its ISO (Insurance Services Office) Class 3 Public Protection Classification, effective October 1, 2019. ISO is a third-party independent agency that evaluates the fire department, water department, and communications systems. It rates the results on a national scale from one to ten (one being the best and highest). According to ISO, its Public Protection Classification Program (PPC) plays an important role in the underwriting process with insurance companies. Most U.S. insurers report that the PPC information is used in their decision-making process when deciding what business to cover, what coverage’s to offer or prices to charge for personal or commercial property insurance. With a community Class 3 rating, many insurance providers give a discount on annual insurance premiums for residences and businesses. Please call your insurance company today to confirm they are aware of this improvement!