Did you know that more than 25% of property insurance claims are related to fire damage?
When it comes to insuring buildings, one of the most important factors insurers consider is the ISO construction type. These classifications, developed by the Insurance Services Office (ISO), help determine a structure’s fire resistance and overall risk profile. Understanding these categories can save you money and ensure you have adequate protection.
What Are ISO Construction Types?
ISO construction types are divided into six classes based on the materials and methods used in a building’s framework and exterior walls. Each class reflects how well a structure can withstand fire and other hazards, which directly influences insurance premiums.
The Six ISO Construction Classes
- Class 1 – Frame: Buildings with wood or other combustible materials for walls and roof. Common in residential homes.
- Class 2 – Joisted Masonry: Exterior walls made of masonry (brick, stone, or concrete) with wood joists for floors and roof.
- Class 3 – Non-Combustible: Structures with metal, concrete, or other non-combustible materials for walls, floors, and roof.
- Class 4 – Masonry Non-Combustible: Masonry walls combined with non-combustible floors and roof.
- Class 5 – Modified Fire-Resistive: Buildings with fire-resistant materials offering moderate protection.
- Class 6 – Fire-Resistive: Highest level of fire resistance, typically using reinforced concrete or protected steel.
Why It Matters for Insurance
Your building’s ISO classification impacts your insurance rates and coverage options. Fire-resistive buildings generally qualify for lower premiums because they pose less risk, while frame structures may cost more to insure due to higher vulnerability.
Choosing the Right Insurance
Once you know your building’s ISO class, work with an experienced insurance advisor to select coverage that matches your risk profile. Policies should account for potential hazards, local building codes, and any unique features of your property.
How to Get Started
Review your building plans or consult a professional to confirm your ISO classification. Accurate information ensures fair pricing and proper protection. Investing time in understanding these details can prevent costly surprises and give you peace of mind.