Underwriting Property and Liability Insurance Flashcards
Frame construction
A class of construction that has load-bearing components made of wood or other combustible materials such as brick or stone veneer
Joisted masonry construction
A class of construction that has load-bearing exterior walls made of brick, adobe, concrete, gypsum, stone, tile, or similar materials’ that has floors and roofs of combustible materials; and that has a fire-resistance rating of at lest one hour
Mill construction
A sub classification of joisted masonry construction that uses heavy timber for columns, beams, supports, and ties; has a minimum two-hour fire-resistance rating on bearing walls; and has an absence of floor joists
Noncombustible construction
A class of construction in which the exterior walls, floor, and roof of a building are constructed of, and supported by, metal, gypsum, or other noncombustible materials
Masonry noncombustible construction
Masonry construction or construction that includes exterior walls of fire-resistive construction with a fire-resistance rating of not lass than one hour
Modified fire-resistive construction
A class of construction that has exterior walls, floors, and roofs of masonry or other fire-resistive material with a fire-resistance rating of at one to two hours
Fire-resistive construction
A class of construction that has exterior walls, floors, and roofs of masonry or other fire-resitive material with a fire resistance-rating of at least two hours
Fuel load (fire load)
The expect maximum amount of combustible material in a given area of a building, including both structural elements and contents, commonly expressed in terms of weight of combustibles per square foot
Fire division
A section of a structure so well protected that fire cannot spread from that section to another, or vice versa
Fire wall
A floor-to-roof wall made of noncombustible materials and having no open doors, windows, or other spaced through which fire can pass
Parapet
A vertical extension of a fire wall that extends above a roofline
Building codes
Local ordinances or state statutes that regulate the construction of building within a municipality, country, or state
Occupancy
The type or character of use of the property in question
Special hazards of the class
A characteristic typical of all occupancies in a given class that can cause or aggravate a loss. An example is the hazard of cooking, common to the restaurant class
Special hazards of the risk
A condition that can cause a loss but that is not typical of an occupancy. An example is the use of a welding torch in an auto repair shop
Protection
Measures taken to prevent or reduce the damage done by fire
Public fire protection
Fire protection equipment and services made available through governmental authority to all properties within a defined area
Local fire alarm system
A detection system, triggered by smoke or heat, that sounds a bell, siren, or another audible alert at the premises only
Central station system
A private detection service that monitors the systems of multiple businesses and/or residences and that calls appropriate authorities or dispatches its own personnel when an alarm is activated
Wet pipe sprinkler systems
Automatic fire sprinkler systems with pipes that always contain water under pressure, which is released immediately when a sprinkler head opens
Dry pipe sprinkler systems
Automatic fire sprinkler systems with pipes that contain compressed air or another inert gas that holds a valve in the water line shut until an open sprinkler head releases the gas and allows water to flow through the previously dry pipe to the sprinkler head
Pre-action sprinkler systems
Automatic fire sprinkler systems with automatic valves controlled by smoke or heat detectors
Deluge sprinkler system
A type of sprinkler system in which all the heads remain permanently open; when activated by a detection system, a deluge valve allows water into the system
Fire brigade
A fire service in which building personnel in establishments located far from municipal fire services respond to fire situations