Locations: Florham Park, NJ and Marysville, PA

Construction Class Code Definitions, from Insurance Services Office (ISO)

Frame: Buildings where the exterior walls are wood or other combustible materials including construction where combustible materials are combined with other materials such as brick veneer, stone veneer, wood iron-clad, stucco on wood. Brick veneer is within the frame Construction definition.

Joisted Masonry: Buildings where the exterior walls are constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and where the floors and roof are combustible (such as frame). Brick veneer buildings are classified as Frame Construction, not Joisted Masonry.

Non-Combustible: Buildings where the exterior walls and the floors and roof are constructed of and supported by metal, asbestos, gypsum or other non-combustible materials. An example of this type of construction would be ”metal-on-metal” type buildings and Butler-type buildings.

Masonry Non-combustible: Buildings where the exterior walls are constructed of masonry materials as described in Code 2, with the floors and roof of metal or other non-combustible materials.

Modified Fire Resistive: Buildings where the exterior walls and the floors and roof are constructed of masonry or fire resistive material with a fire resistance rating of one hour or more but less than two hours.

Fire Resistive: Buildings where the exterior walls and the floors and roof are constructed of masonry or fire resistive materials having a fire resistance rating of not less than two hours.