Construction Type

 

Description

FRAME (FRM)

 

Buildings characterized by combustible construction.  The exterior walls are constructed of wood or steel studs, covered with wood siding, shingles, stucco, brick or stone veneer.

JOISTED MASONRY (JM)

 

 

Buildings with exterior walls constructed of masonry material such as brick, concrete block, stone or similar materials.  The floors and roof are wholly or partially constructed of wood or other combustible materials.

NON-COMBUSTIBLE (NC)

 

Buildings with structural steel framing members.  Walls and roofs are usually constructed of metal panels or sandwich panels.  Pre-engineered steel frame buildings are included in this class.

MASONRY NON-COMBUSTIBLE (MNC)

 

Buildings with exterior walls constructed of masonry material such as brick, concrete block, stone or similar materials supported by structural steel frame.  The structural steel frame is not fireproofed.

Modified fire resistive (mfr)

 

Buildings with structural steel frame that are fireproofed with masonry, concrete, plaster, gypsum or other noncombustible material.  The walls are noncombustible materials and floors and roof are reinforced concrete or concrete on fireproofed steel deck.

FIRE RESISTIVE (FR)

 

Buildings with reinforced concrete frame.  The walls are non-combustible materials and floors and roof are reinforced concrete or concrete on fireproofed steel deck.

E.F.I.S. Construction

Exterior Finish Insulation System

 

What Is EFIS?

EFIS1

EFIS3

EFIS building with hurricane damage

 

 

 

 

Sigma Underwriting ManagersSM. All rights reserved. Certain coverages may not be available in all states. Coverage will be written on a non-admitted basis only through licensed surplus lines brokers, The description here is a summary only, it does not include all terms, conditions and exclusions of the policies and coverages described.  PRIVACY STATEMENT

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