Property Insurance

Question 1

Define:

JM (Joisted Masonry)

Answer 1

Exterior walls of masonry material (adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials), with combustible floor and roof (wood).

Question 2

Define:

MNC (Masonry Non Combustible)

Answer 2

Exterior walls of masonry material (adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials), with floor and roof of metal or other noncombustible materials.

Question 3

Define:

Frame construction

Answer 3

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

Question 4

Define:

Non-Combustible construction

Answer 4

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

Question 5

Define: 
Modified FR (Fire Resistive) construction

Answer 5

Characterized by 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.

Question 6

Define:

FR (Fire Resistive) construction

Answer 6

Exterior walls, floors, and roof of masonry or fire- resistive material with a fire-resistance rating of at least 2 hours.

Question 7

What is C.O.P.E.?

Answer 7

C = CONSTRUCTION (What is the construction type?

O = OCCUPANCY (Who is inside? And what is the building being used for?)

P = PROTECTION (How far is the nearest fire department and are they paid vs volunteer? Distance to nearest fire hydrant?)

E = EXPOSURE (Any potential exposure from neighboring properties?…A neighboring office is fine, but a fireworks manufacturer is not ideal.)