Property and Casualty Insurance Practice Exam

Which class of construction is characterized by exterior walls made of wood or combustible materials?

1. Class 1 - Frame

2. Class 2 - Joisted Masonry

3. Class 3 - Noncombustible

4. Class 4 - Masonry Noncombustible

The correct answer is: Class 1 - Frame

Class 1 construction, also known as Frame construction, is indeed characterized by exterior walls that are primarily made of wood or other combustible materials. This type of construction is common in residential structures, as it often provides flexibility in design and cost efficiency. Frame buildings generally have a lighter weight due to the use of wood, allowing for quicker and simpler construction processes. The other classes of construction differentiate themselves primarily by their material composition and fire resistance. Joisted masonry, for example, incorporates masonry elements but also includes combustible components. Noncombustible structures consist of materials resistant to fire, such as steel or concrete, eliminating the use of wood entirely. Masonry noncombustible uses masonry materials while also avoiding combustible frames, providing a higher level of fire protection. Understanding these classifications helps in assessing building codes, insurance risk evaluations, and fire safety measures effectively.