AU 61 Chapter Two
Construction, occupancy, protection, external exposure – answer COPE is an acronym
that stands for the four risk characteristics an underwriter reviews when evaluating a
submission for property insurance:
withstand damage by fire and other causes of loss and to protect its contents - answer
The construction characteristics of a building are tangible and relate directly to its ability
to
construction - answer the type of materials and design used to fabricate a building,
which underwriters analyze when evaluating submissions for property insurance
occupancy - answer the type or character of use of the property in question
loss frequency and severity - answer The operations and processes conducted within a
building introduce hazards that influence
protection - answermeasures taken to prevent or reduce the damage done by fire
public and private protection - answerAnalyzing the effectiveness of fire protection
efforts usually requires an underwriter to focus on
public fire protection - answerfire protection equipment and services made available
through governmental authority to all properties within a defined area
private fire protection - answermeasures taken by property owners to protect their
assets from loss by fire
external exposure - answera loss exposure outside the area owned or controlled by the
insured
spreads to adjacent structures - answerExternal exposure is significant because a fire in
one building often
flame spread - answerIn the interior of buildings, what of the interior construction
materials or finish is important?
fire resistance - answerthe ability of a building or material to withstand the effects of or
give protection from fire
National Fire Protection Association - answeran organization dedicated to safeguarding
people and property from destruction by fire
, structural integrity - answerFire resistance rating refers to the what not the degree of
damage.
deformation, flaking, cracking, burning, reignition of flames after the furnance fire is
turned off, smoke generated - answerThe damage incurred is evaluated in terms of
these characteristics:
the specimens tested are the same type as those used in a structure, that the actual
fuel load does not exceed the fuel load tested, and that the duration of the fire does not
exceed the time tested - answerThe underlying assumptions in a fire test are that
fuel load - answerthe expected maximum amount of combustible material in a given
area of a building, including both structural elements and contents, commonly
expressed in terms of weight of combustibles per square foot
flame spread - answerthe speed with which a gas fire consuming an interior
construction material or finish material spreads, as determined in a test environment;
one factor used to develop fire rating
horizontal surfaces of a building's materials - answerFlame spread is rated by
measuring how readily flames spread across the
finish materials - answercan be chosen to reduce the risk that a fire would spread faster
than occupants of a structure can evacuate or more quickly than adequate fire
protection can extinguish it before it engulfs a building
load-bearing components - answerthe parts of a building that carry the weight of the
structure and its contents
structural frame - answerBuilders attach columns to beams that provide horizontal
support, and this combination is called the
withstand damage - answerThe materials used for load-bearing components and the
arrangement of those components determine a building's ability to
the design and planned occupancy of a building - answerWhat dictates the choice
between walls and columns for interior load-bearing components?
Floors, beams, and joists. - answerA building would be useless if its entire weight and
that of its contents had to rest directly on a load-bearing wall or column; the load must
be spread horizontally to vertical load-bearing components. What performs this taks?
non-load-bearing components - answerinclude exterior walls that only enclose the
building, such as masonry walls in masonry noncombustible and fire-resistive structures
Construction, occupancy, protection, external exposure – answer COPE is an acronym
that stands for the four risk characteristics an underwriter reviews when evaluating a
submission for property insurance:
withstand damage by fire and other causes of loss and to protect its contents - answer
The construction characteristics of a building are tangible and relate directly to its ability
to
construction - answer the type of materials and design used to fabricate a building,
which underwriters analyze when evaluating submissions for property insurance
occupancy - answer the type or character of use of the property in question
loss frequency and severity - answer The operations and processes conducted within a
building introduce hazards that influence
protection - answermeasures taken to prevent or reduce the damage done by fire
public and private protection - answerAnalyzing the effectiveness of fire protection
efforts usually requires an underwriter to focus on
public fire protection - answerfire protection equipment and services made available
through governmental authority to all properties within a defined area
private fire protection - answermeasures taken by property owners to protect their
assets from loss by fire
external exposure - answera loss exposure outside the area owned or controlled by the
insured
spreads to adjacent structures - answerExternal exposure is significant because a fire in
one building often
flame spread - answerIn the interior of buildings, what of the interior construction
materials or finish is important?
fire resistance - answerthe ability of a building or material to withstand the effects of or
give protection from fire
National Fire Protection Association - answeran organization dedicated to safeguarding
people and property from destruction by fire
, structural integrity - answerFire resistance rating refers to the what not the degree of
damage.
deformation, flaking, cracking, burning, reignition of flames after the furnance fire is
turned off, smoke generated - answerThe damage incurred is evaluated in terms of
these characteristics:
the specimens tested are the same type as those used in a structure, that the actual
fuel load does not exceed the fuel load tested, and that the duration of the fire does not
exceed the time tested - answerThe underlying assumptions in a fire test are that
fuel load - answerthe expected maximum amount of combustible material in a given
area of a building, including both structural elements and contents, commonly
expressed in terms of weight of combustibles per square foot
flame spread - answerthe speed with which a gas fire consuming an interior
construction material or finish material spreads, as determined in a test environment;
one factor used to develop fire rating
horizontal surfaces of a building's materials - answerFlame spread is rated by
measuring how readily flames spread across the
finish materials - answercan be chosen to reduce the risk that a fire would spread faster
than occupants of a structure can evacuate or more quickly than adequate fire
protection can extinguish it before it engulfs a building
load-bearing components - answerthe parts of a building that carry the weight of the
structure and its contents
structural frame - answerBuilders attach columns to beams that provide horizontal
support, and this combination is called the
withstand damage - answerThe materials used for load-bearing components and the
arrangement of those components determine a building's ability to
the design and planned occupancy of a building - answerWhat dictates the choice
between walls and columns for interior load-bearing components?
Floors, beams, and joists. - answerA building would be useless if its entire weight and
that of its contents had to rest directly on a load-bearing wall or column; the load must
be spread horizontally to vertical load-bearing components. What performs this taks?
non-load-bearing components - answerinclude exterior walls that only enclose the
building, such as masonry walls in masonry noncombustible and fire-resistive structures
