What does Building Construction Categories mean? Read on to discover the definition & meaning of the term Building Construction Categories - to help you better understand the language used in insurance policies.
Building Construction Categories
Categories of building construction established by Insurance Services Office, Inc. (ISO), in its Commercial Lines Manual (CLM) for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire: Frame—Exterior walls of wood, brick veneer, stone veneer, wood ironclad, or stucco on wood. (Construction Code 1), Joisted Masonry—Exterior walls of masonry material (adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials) with combustible floor and roof. (Construction Code 2), Noncombustible—Exterior walls, floor, and supports made of metal, asbestos, gypsum, or other noncombustible materials. (Construction Code 3), Masonry Noncombustible—Same as joisted masonry except that the floors and roof are of metal or other noncombustible materials. (Construction Code 4), Modified Fire Resistive—Exterior walls, floors, and roof of masonry or fire-resistive material with a fire resistance rating of at least 1 hour but less than 2 hours. (Construction Code 5) and Fire Resistive—Exterior walls, floors, and roof of masonry or fire-resistive materials with a fire resistance rating of at least 2 hours. (Construction Code 6).
We hope the you have a better understanding of the meaning of Building Construction Categories.