Georgia Adjuster Practice Test

What type of construction is Monique’s house, which is covered in brick veneer, classified as for insurance premium purposes?

1. Concrete

2. Frame

3. Brick

4. Steel

The correct answer is: Frame

Monique's house, covered in brick veneer, is classified as frame construction for insurance premium purposes. This categorization is primarily due to the underlying structural components of the house, which typically consist of wood or other frame materials, rather than being solid brick or masonry throughout. Brick veneer refers specifically to a construction method where a single layer of brick is used as a facade over a frame structure. The brick exterior is not load-bearing but rather serves as an aesthetic and protective covering. This distinction impacts insurance premiums significantly, as policies often take into account the primary materials of a structure's frame. Understanding this classification is important because it correlates directly with risk factors associated with types of buildings, where frame constructions can be more susceptible to certain types of damage, such as from fire or severe weather, than those made fully of brick or other materials.