SECTION 25 - GENERAL RATING AND CODING RULES
RULE 25.1 - CONSTRUCTION TYPE
RULE 25.1A - CONSTRUCTION TYPES - DEFINED
1) Frame - The exterior walls are made of wood or other combustible materials, including wood-iron clad, stucco or wood, or plaster on combustible supports.
2) Masonry Veneer - The exterior walls are made of combustible materials veneered with brick or stone.
3) Masonry - The exterior walls are constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials. The floors and roof are made of combustible materials. (Disregard floors resting directly on the ground.)
4) Aluminum Siding - The exterior walls are made of frame construction and covered with aluminum, vinyl or plastic siding. Rate as Frame.
5) Mixed Masonry and Frame - A combination of both frame and masonry construction. When the exterior walls (including gables) are made of frame construction exceeding 33 1/3% of the total exterior wall area, rate as Frame. Otherwise, rate as Masonry Veneer or Masonry.
6) Modular Home - The exterior walls are assembled in a factory and transported to the home site in sections. The home is assembled on a concrete slab or on concrete walls if the home has a basement. The finished home has the appearance of a construction Class A/B to B. This construction type is eligible for Premier or Premier Select policies only.
