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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. The six ISO CLM building construction categories and the associated ISO construction codes, from the least fire-resistive category to the most fire-resistive category, are as follows.
The American Association of Insurance Services (AAIS) uses nearly identical building construction categories in its materials addressing the development of rates for insuring commercial property in several of its programs.
One of six building construction categories established by Insurance Services Office, Inc. (ISO), in its <em>Commercial Lines Manual (CLM</em>) for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The <em>CLM</em> description of fire resistive construction, followed by the associated ISO construction code, is exterior walls, floors, and roof of masonry or fire-resistive materials with a fire resistance rating of at least 2 hours (Construction Code 6). The construction code indicates the ranking of this building construction category within the six categories, with 1 as the least fire-resistive and 6 as the most fire-resistive.
One of six building construction categories established by Insurance Services Office, Inc. (ISO), in its <em>Commercial Lines Manual (CLM)</em> for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The <em>CLM</em> description of frame construction, followed by the associated ISO construction code, is exterior walls of wood, brick veneer, stone veneer, wood ironclad, or stucco on wood (Construction Code 1). The construction code indicates the ranking of this building construction category within the six categories, with 1 as the least fire-resistive and 6 as the most fire-resistive.
One of six building construction categories established by Insurance Services Office, Inc. (ISO), in its <em>Commercial Lines Manual (CLM)</em> for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The <em>CLM</em> description of joisted masonry construction, followed by the associated ISO construction code, is 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). The construction code indicates the ranking of this building construction category within the six categories, with 1 as the least fire-resistive and 6 as the most fire-resistive.
One of six building construction categories established by Insurance Services Office, Inc. (ISO), in its <em>Commercial Lines Manual (CLM)</em> for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The <em>CLM</em> description of masonry noncombustible construction, followed by the associated ISO construction code, is exterior walls of masonry material (adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials) with floors and roof of metal or other noncombustible materials (Construction Code 4). The construction code indicates the ranking of this building construction category within the six categories, with 1 as the least fire-resistive and 6 as the most fire-resistive.
One of six building construction categories established by Insurance Services Office, Inc. (ISO), in its <em>Commercial Lines Manual (CLM</em>) for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The <em>CLM</em> description of modified fire resistive construction, followed by the associated ISO construction code, is 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). The construction code indicates the ranking of this building construction category within the six categories, with 1 as the least fire-resistive and 6 as the most fire-resistive.
One of six building construction categories established by Insurance Services Office, Inc. (ISO), in its <em>Commercial Lines Manual (CLM</em>) for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The <em>CLM</em> description of noncombustible construction, followed by the associated ISO construction code, is exterior walls, floor, and supports made of metal, asbestos, gypsum, or other noncombustible materials (Construction Code 3). The construction code indicates the ranking of this building construction category within the six categories, with 1 as the least fire-resistive and 6 as the most fire-resistive.
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Commercial Property