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Building Construction Types

To provide a quote or indication of cost for commercial property insurance it’s necessary to know the type of construction. Below are the common types that would be provided to the carrier.

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Frame – Exterior walls of wood, brick veneer, stone veneer, wood ironclad, or stucco on wood.

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.

Noncombustible – Exterior walls, floor, and supports made of metal, asbestos, gypsum, or other noncombustible materials.

Masonry Noncombustible – Same as joisted masonry except that the floors and roof are of metal or other noncombustible materials.

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.

Fire Resistive – Exterior walls, floors, and roof of masonry or fire-resistive materials with a fire resistance rating of at least 2 hours

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