[D006]

Dean Schedule
A method (now obsolete) of rating fire insurance risks developed by A. F. Dean (Chicago, 1901). Geographically, much of the country was rated under this schedule which was known as the "Analytic System for the Measurement of Relative Fire Hazards." Dean described a standard unoccupied risk for which a base rate was named depending on overall territorial factors. Each individual hazard or factor (construction, area, damageability, occupancy, exposure, etc.) that appeared in the risk added or subtracted a percentage of the base rate to produce the specific rate. A successful, logical method which contributed much to insurance thinking and practice.