Sunday, January 19, 2014

Fire Insurance - Construction Class

For Fire Insurance, building are classified into four classes by construction type.
 a. Class 1A Construction
 b. Class 1B Construction
 c. Class 2 Construction
 d. Class 3 Construction


 Class 1A Construction 
 1. Walls
 External walls up to the eaves level (excluding windows and doors) to be :
 a. brickwork, masonry, concrete, reinforced concrete, autoclaved aerated concrete, hollow blocks, solid blocks and/or slabs not less than 100mm (4 in) thick and/or 2 hours fire resistance and/or
 b. any other materials having at least the same fire resistance of any one of the materials cited in 1 (a) above as certified by an AUTHORIZED Body.

 2. Floors
  To be constructed of reinforced concrete.

 3. Roofs
 The external covering to be entirely of non-combustible materials.

Class 1B Construction 
 1. Walls
 External walls up to the eaves level (excluding windows and doors) to be :
 a. brickwork, masonry, concrete, reinforced concrete, autoclaved aerated concrete, hollow blocks, solid blocks and/or slabs not less than 100mm (4 in) thick and/or 2 hours fire resistance and party of non-combustible materials.
  b. wholly of mixed materials such as cement-wood, cement board or any other materials having at least the same fire resistance as certified by an AUTHORIZED Body or classified in the Building Bye-Laws and plastered with cement or having cement finishing.
 
 2. Roofs

 The external covering to be entirely of non-combustible materials.

Class 2 Construction 
  1. Walls 
 External walls: 
 
 a. partly of brick, masonry, concrete, reinforced concrete, autoclaved aerated concrete, hollow blocks, solid blocks, slabs or any other materials having at least the same fire resistance as certified by an AUTHORIZED body or classified in the Building By-Laws and partly of wood or other combustible materials. 
  
 Note : To conform with this construction classification, the usage of wood or other combustible materials must not  exceed 50% of the total wall area. 
  b. of asbestos sheeting, corrugated iron, galvanized iron or other non-combustible materials. 
 
 2. Open-sided 
  a. open-sided sheds with non-combustible columns 
 b. Open-sided sheds with wall (s) constructed of non-combustible materials and with non-combustible columns. 
 
 3. Roofs 
 The external covering to be entirely of non-combustible materials. 
 
 Class 3 Construction 
 
 All other construction not conforming with Class 1A, Class 1B and Class 2 Construction