What class of construction is defined as having exterior walls made of wood or other combustible materials?

The correct answer aligns with the classification system used in property insurance and building codes, where Class 1 construction refers to buildings with exterior walls composed of wood or other combustible materials. This classification directly informs how risks are assessed, particularly regarding fire hazards.

Class 1 structures are seen as having a higher risk of fire damage because of the materials used in construction, which are more susceptible to catching fire compared to non-combustible materials like steel or concrete. This is important for insurance underwriting, pricing, and coverage decisions, as buildings constructed with combustible materials are typically more susceptible to damage from fire.

In contrast, the other classifications—such as Class 2, which typically involves buildings constructed with a combination of masonry and joist systems, and Class 3, which consists of noncombustible materials—represent varying levels of fire resistance and construction types. Class 4 is specific to high-rise buildings, often involving different materials and structural requirements due to the increased risk factors associated with height. Understanding these classifications is crucial for property and casualty insurance professionals when evaluating risk and determining appropriate coverage levels.