“When firefighters heard the ISO people are coming, they says ‘why are they coming to our department,’” Curl said. Larry Curl, former chief of the Wayne Township (Ind.) Volunteer Fire Department, calls those ISO “M&Ms” myths and misunderstandings. Insurance Services Office (ISO), has a system for determining the price of fire insurance in a community through a 1 to 10 classification system.

Communities For People With DisabilitiesīALTIMORE – There’s not much sexy about a discussion on fire insurance rating systems, but the topic is filled with lots of “M&Ms.” And, no, we’re not talking about little hard shelled, multi-colored hard candies.

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