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CPCU 520-05
Chapter 5
| Question | Answer |
|---|---|
| Fire-Resistive | Constr. that inc. load bearing members and that has a fire resistance rating of at least 2 hours |
| Modified Fire Resistive | Constr. that has load bearing walls and columns of masonry or reinforced concrete constr. and that has a fire resistance rating of 1-2 hours |
| MNC Construction | Masonry construction that includes exterior walls or fire resistenve contruction with a fire resistence rating of not less that one hour |
| JM | Construction that has load bearing exterior walls makde of brick, adobe, concrete, gypsum, stone, etc. that has floors and roofs of combustible materials, and that has a fire resistence of at least 1 hour. |
| Frame | Const. that has load bearing components made of other combustible materials |
| Fuel/Fire load | the expected max amount of combustibel material in a given area of a building, inc. both structural elements and contents. |
| Modified Fire Resistive | Constr. that has load bearing walls and columns of masonry or reinforced concrete constr. and that has a fire resistance rating of 1-2 hours |
| MNC Construction | Masonry construction that includes exterior walls or fire resistenve contruction with a fire resistence rating of not less that one hour |
| JM | Construction that has load bearing exterior walls makde of brick, adobe, concrete, gypsum, stone, etc. that has floors and roofs of combustible materials, and that has a fire resistence of at least 1 hour. |
| Frame | Const. that has load bearing components made of other combustible materials |
| Fuel/Fire load | the expected max amount of combustibel material in a given area of a building, inc. both structural elements and contents. |
| Fire Division | A section of a structure so well protected that a fire cannot spread from that section to another. |
| Fire Wall | A wall that resists the spread of fire by serving as a fire resistive barrier |
| Parapet | A verticle extention of a fire wall that extends above the roofline |
| Fender Wall | An extension of a fire wall through an outer wall |
| Building Codes | Local ordinances or state statutes that reg. the const. of blg within a municipality, county, or state. |
| Common Hazards | Hazards existing in almost every class of business occupancy, usually referring specifically to 1) housekeeping, 2) heating equip, 3) elec equipment, and 4) smoking |
| Special Hazards of the class | Hazards that are typical for the class of loss exposures |
| Special hazards of the risk | Hazards that are created by the activities of a particular business (risk) and that are not typical of other businesses with which it would be classed |
| Public Fire Protection | Fire protectino equipment and services made avail. thru govt. authority to all properties within a defined area. |
| Local Fire Alarm system | A detection system, triggered by smoke or heat, that sounds an audible alert inside/outside the blg. |
| Central Station Alarm | A private detectino service that monitors tha tsys. of mult. business and/r residences and that calls appr. auth. or dispatches ir own personnel with an alarm is activated. |
| Auto sprink. systems | Fire sprinkler systems with a serioes of interconnected valves and pipes with sprinkler heads. Each sprinkler head usually contains a heat sensing element that responds indiv. to the heat generated by a fire. |
| Wet pipe sprinkler systems | Automatic fire sprinkler systems with pipes that always containt water under pressure, which is released immediately when a sprinkler head opens. |
| Dry pipe sprinkler systems | Autom. fire sprinkler sys. with pipes that contain compressed inert gas that holds a valve in the water line shut until an open sprnklr head releases that gas and allows water to flow through. |
| Pre-Action Sprinkler Systems | Autom. Sprinkler system w/ automatic valvues controlled by smoke or heat detectors |
| Deluge Sprinkers Systems | Autom. Sprinkler system with valves that remain open and that are controlled by auto fire detection device such as smoke or heat |
| Exernal Loss Exposures | Loss exposures outside the area owned or controlled by the insured |
| Amount Subject | The total value exposed to loss at any one location from any one event. |
| PML | An estimate of largest likle loss |
| Nationwide Marine Detection | Definitino of the kinds of loss exposures and cvgs that can be classified under state ins. laws as marine and inland marine ins. |
| Navigation warranty | Part of a yacht ins. policy that restricts cvrg. to the navigational area for which the hull, equip, and operational exp are appropriate. |
| Filed Classes | Inland Marine classes for which adv. orgs are required to file loss costs, rules, and forms. |
| Non-filed classes | IM classes tared according to the indiv. insurer's UW practices |
| Loss control | A Risk Mgt Rech to reduce loss freq. or loss severity. |
| Loss Prevention | A loss control rech. to lower the freq. of losses. |
| Loss Reduction | A loss control rechnique to lower the severity of losses that occur. |
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