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.
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
