AU61 - Underwriting Organizations
Property Risks Practice Questions
The structural materials of a building and the arrangement of those components
determine a building's ability to withstand damage, including collapse. A property
insurance application for an 8-story office building states that it has curtain walls. By
this, the underwriter knows that the building's weight is - answerSupported by interior
load-bearing partition walls
All of the following would qualify as joisted masonry construction (class 2) materials,
EXCEPT: - answerSteel
An underwriter is considering insuring XYZ Condominiums. XYZ has 12 condos units in
use, a fitness center and a small attached parking garage. The ownership of XYZ made
sure that the building and the parking garage were fire-resistive (class 6) construction.
The Condominium Association is in charge of overseeing the grounds are safe and
clear. Which one of the following represents the greatest hazard to XYZ's property? -
answerThe contents of the tenants of the condo starting a fire
Rosa is working with an architect to design a new building for her law firm. They initially
discussed frame construction; however, Rosa learned from her insurance agent that
frame construction is less desirable to property underwriters than joisted masonry.
Therefore, Rosa has asked her architect how they might upgrade the construction to
joisted masonry, without drastic changes to the plans or excessive expense. Which one
of the following changes is the architect most likely to recommend to Rosa? -
answerUse concrete self-supporting exterior walls over the wood-framed structure
DEF Industries make computer parts and accessories. Recently, there has been an
increased demand for computer parts. They are in need of more space to meet the
increasing demand. They have decided to build two one-story 5,000 square foot
structured steel warehouse on their property. The warehouses are built around
horizontal and vertical load bearing metal supports within a metal frame building. The
exterior walls are made of concrete block and the roof is heavy steel. Which one of the
following would be the biggest concern for an underwriter? - answerA fire in the
warehouse could produce very high temperatures, collapsing the metal and steel
supports
Load-bearing components of a building prevent its collapse. Bill, a property underwriter,
is reviewing an application for a convention center . The convention center is a fire-
resistive structure with load-bearing exterior walls that enclose the building and support
its weight and that of its contents. Bill is most likely to - answerRequest confirmation
from the insured that the building contains columns to provide additional vertical support
, of its weight - design and planned occupancy of a building dictate the choice between
walls and columns, but the load bearing components of noncombustible and fire-
resistive structures are usually columns
Which one of the following statements is true regarding fire walls? - answerFire walls
must not stop short of the ceiling or floor
Which one of the following is true for joisted masonry construction (class 2) -
answerMany buildings of joisted masonry construction standing today were built before
1940
Large horizontal structures present a different type of problem than that present in a
high-rise building. The solution to large horizontal area fire problems is - answerThe use
of fire divisions
From a fire underwriting perspective, fire-resistive is the best construction type.
However, property underwriters also consider other perils that may be prevalent in a
given region. In an area prone to the earthquake hazard, which one of the following is
an underwriter most likely to find more desirable than a fire-resistive building? -
answerA small frame structure
Which one of the following is true for noncombustible (class 3) and masonry
noncombustible construction (class 4)? - answerMasonry noncombustible buildings
(class 4) have exterior walls made of thick masonry that provide a fire-resistance rating
of at least one hour, as well as slow burning floors and roofs
The biggest difference between modified fire-resistive (class 5) and fire-resistive (class
6) is which one of the following? - answerThe fire rating of the material used in
construction
Goshen Underwriters is considering an application for property insurance from ABC
Properties. ABC Properties has a 50-year old building that includes a section for
corporate offices that was upgraded to include smaller offices and a large conference
room. The offices were constructed of reinforced concrete and structural steel rated at 2
hours. There also is an attached section of equal size that has a steel-framed brick
building with a food court and cafeteria. There also was a stacked concrete masonry
section with a fitness center built 5 years ago that uses a large metal warehouse for
storage. The classification for this type of property would be which one of the following?
- answerMixed construction - an architectural design might mix building types, or
owners might have made additions and changes to the original design over the years
Which one of the following statements on frame construction is true? - answerWood
Frame construction is the most common method used in residential construction
Jenna, an underwriter, has a number of submissions on her desk for review, all of which
are for buildings that are more than 20 years old. Which one of the following accounts is
Property Risks Practice Questions
The structural materials of a building and the arrangement of those components
determine a building's ability to withstand damage, including collapse. A property
insurance application for an 8-story office building states that it has curtain walls. By
this, the underwriter knows that the building's weight is - answerSupported by interior
load-bearing partition walls
All of the following would qualify as joisted masonry construction (class 2) materials,
EXCEPT: - answerSteel
An underwriter is considering insuring XYZ Condominiums. XYZ has 12 condos units in
use, a fitness center and a small attached parking garage. The ownership of XYZ made
sure that the building and the parking garage were fire-resistive (class 6) construction.
The Condominium Association is in charge of overseeing the grounds are safe and
clear. Which one of the following represents the greatest hazard to XYZ's property? -
answerThe contents of the tenants of the condo starting a fire
Rosa is working with an architect to design a new building for her law firm. They initially
discussed frame construction; however, Rosa learned from her insurance agent that
frame construction is less desirable to property underwriters than joisted masonry.
Therefore, Rosa has asked her architect how they might upgrade the construction to
joisted masonry, without drastic changes to the plans or excessive expense. Which one
of the following changes is the architect most likely to recommend to Rosa? -
answerUse concrete self-supporting exterior walls over the wood-framed structure
DEF Industries make computer parts and accessories. Recently, there has been an
increased demand for computer parts. They are in need of more space to meet the
increasing demand. They have decided to build two one-story 5,000 square foot
structured steel warehouse on their property. The warehouses are built around
horizontal and vertical load bearing metal supports within a metal frame building. The
exterior walls are made of concrete block and the roof is heavy steel. Which one of the
following would be the biggest concern for an underwriter? - answerA fire in the
warehouse could produce very high temperatures, collapsing the metal and steel
supports
Load-bearing components of a building prevent its collapse. Bill, a property underwriter,
is reviewing an application for a convention center . The convention center is a fire-
resistive structure with load-bearing exterior walls that enclose the building and support
its weight and that of its contents. Bill is most likely to - answerRequest confirmation
from the insured that the building contains columns to provide additional vertical support
, of its weight - design and planned occupancy of a building dictate the choice between
walls and columns, but the load bearing components of noncombustible and fire-
resistive structures are usually columns
Which one of the following statements is true regarding fire walls? - answerFire walls
must not stop short of the ceiling or floor
Which one of the following is true for joisted masonry construction (class 2) -
answerMany buildings of joisted masonry construction standing today were built before
1940
Large horizontal structures present a different type of problem than that present in a
high-rise building. The solution to large horizontal area fire problems is - answerThe use
of fire divisions
From a fire underwriting perspective, fire-resistive is the best construction type.
However, property underwriters also consider other perils that may be prevalent in a
given region. In an area prone to the earthquake hazard, which one of the following is
an underwriter most likely to find more desirable than a fire-resistive building? -
answerA small frame structure
Which one of the following is true for noncombustible (class 3) and masonry
noncombustible construction (class 4)? - answerMasonry noncombustible buildings
(class 4) have exterior walls made of thick masonry that provide a fire-resistance rating
of at least one hour, as well as slow burning floors and roofs
The biggest difference between modified fire-resistive (class 5) and fire-resistive (class
6) is which one of the following? - answerThe fire rating of the material used in
construction
Goshen Underwriters is considering an application for property insurance from ABC
Properties. ABC Properties has a 50-year old building that includes a section for
corporate offices that was upgraded to include smaller offices and a large conference
room. The offices were constructed of reinforced concrete and structural steel rated at 2
hours. There also is an attached section of equal size that has a steel-framed brick
building with a food court and cafeteria. There also was a stacked concrete masonry
section with a fitness center built 5 years ago that uses a large metal warehouse for
storage. The classification for this type of property would be which one of the following?
- answerMixed construction - an architectural design might mix building types, or
owners might have made additions and changes to the original design over the years
Which one of the following statements on frame construction is true? - answerWood
Frame construction is the most common method used in residential construction
Jenna, an underwriter, has a number of submissions on her desk for review, all of which
are for buildings that are more than 20 years old. Which one of the following accounts is
