Industry Standards

ISO Construction Profiles

ISO construction classification system and profiles for accurate risk assessment.

ISO Construction Classification System

The Insurance Services Office (ISO) provides standardized construction class codes that help insurers assess property risk based on building materials and fire resistance. Understanding these classifications is crucial for accurate risk assessment and premium determination.

6 Construction ClassesISO CertifiedRisk Assessment Tool

Risk Scale — ISO Class 1 (Highest) to Class 6 (Lowest)

Higher RiskLower Risk

1

Frame Construction

Highest Risk

Interior Walls

Wood

Sidings

Wood, Stucco, Brick

Roof

Shingles, Clay, Tiles

High Risk Factors

Highly flammable materials that may collapse during fire. Requires careful risk assessment and potentially higher premiums.

1

Brick Veneer Construction

BV - Brick Veneer

Interior Walls

Wood

Sidings

Cosmetic Brick

Roof

Shingles, Clay, Tiles

Fire Spread Risk

Brick veneer provides only cosmetic protection. Fire may easily spread throughout the wood interior, similar to frame construction.

2

Joisted Masonry Construction

JM - Joisted Masonry

Interior Walls

Concrete / Masonry

Floors / Roof

Wood Joists

Sidings

Brick, Stone, Concrete

Joisted Masonry Construction Illustration

Interior Fire Risk

While exterior walls are masonry, interior wood floors and roof may be easily damaged by fire. Mixed construction creates complex risk assessment needs.

3