Commercial Lines Manual Printable Version

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Commercial ValuationsThe type of commercial valuation system used is determined by each individualcustomer. At the current time we use three different commercial valuation systems.There is no fee for any of the valuations as they are considered a part of the standard feefor the main line of coverage requested. Most of our coverages require a valuation to becompleted on any building that is owned, has coverage carried by the insured, or whenthe customer requests it specifically.The available valuation systems are as follows:BVSC The BVSC is our default valuation system. Building Valuation System Commercial (BVSC) is the commercial valuationsystem for Marshall/Swift/Boeckh.QCE Quick Commercial Estimator (QCE) is the commercial valuation system fromE2Value. This system is designed for standard commercial operations. At the current time, we do not have a GISA form for the QCE. If a QCE isrequested, please add and complete the BVSC.E2FR Farm & Ranch Estimator (E2FR) is the farm outbuilding valuation system fromE2Value. This system is designed for commercial farming and hobby farming operations. At the current time, we do not have a GISA form for the E2FR. If an E2FR isrequested, please add and complete the BVSC.PLEASE REVIEW THE ADDITIONAL INFORMATION IN THIS SECTION!

Criteria for Commercial Diagram:1)Building, with all different elevations, to be labeled by number of stories (1story, 2 Story, 3 Story, etc.)2)Foundation types to be labeled (Basement, Slab, Crawl, Stilts, None).3)ISO Class of Construction to be labeled (Class 1, Class 2, Class 3, Class4, Class 5, Class 6).4)The gross building square footage should be displayed for each section ofdifferent story height and foundation type. The gross square footage would bethe best scenario.5)Able to indicate different types of garages (attached, built-in, & basement).6)Indicate whether the building is all-sprinkled, partial-sprinkled, and nonsprinkled.7)Adjacent exposures to the left, right, & rear. The exposures will need tobe defined by # of stories, ISO class, type of occupancy, & distance from risk.8)Fire Hydrant location with distance.9)Location of insured’s street by text name.10)Northern direction indicated (optional).

Front 24 Unit Complex

Rear - 24 Unit BldgSide – 24 Unit Bldg

Front - 8 Unit BldgRear - 8 Unit Bldg

Front / Right

Right SideRear

BVSCMidwest Technical Inspections Survey WorksheetBVSCAccount / Account Code:Insured:Telephone:Building DataAgency:Policy #:Alt. Phone:Section NameCo-Insurance %Insured AmountBuilding Superstructure* # Of Stories* Gross Floor AreaGross PerimeterQuality (1.0 Economy - 3.0 Superior) (Choose one value)[ ]None [ ]1.0[ ]1.5[ ]2.0[ ]2.5[ ]3.0Year Built* Occupancy Code 1Occupancy Code 2Occupancy Code 3Occupancy Code 4Occupancy Code 5Description 1Description 2Description 3Description 4Description 5* Percentage 1Percentage 2Percentage 3Percentage 4Percentage 5Story Height 1Story Height 2Story Height 3Story Height 4Story Height 5* Construction Type: % Frame* Construction Type: % Masonry Non-Combustible* Construction Type: % Joisted Masonry* Construction Type: % Modified Fire Resistive* Construction Type: % Non-Combustible* Construction Type: % Fire ResistiveBuilding SubstructureUnfinished Basement AreaFinished Basement AreaBasement Occupancy CodeBasement DescriptionBasement Construction Type (Choose one value)[ ]None[ ]Joisted Masonry[ ]Masonry Non-Combustible[ ]Frame[ ]Non-Combustible[ ]Modified Fire resistive[ ]Fire ResistiveBasement DepthOther: Stilts Concrete/SteelOther: CrawlspaceOther: None - Remove Slab CostOther: Stilts WoodExterior: Wall Finish% Brick, on Masonry% Native Stone, on Masonry% Brick, on Studs% Native Stone, on Studs% Brick, Solid% Siding Metal / Other, on Girts% Concrete, Poured-In-Place% Siding Metal / Other, on Masonry% Concrete, Precast Panels% Siding Metal / Other, on Studs% Concrete, Tilt-up Panels% Siding Wood, on Masonry% Concrete Block% Siding Wood, on Studs% EIFS, on Masonry% Stucco, on Masonry% EIFS, on Studs% Stucco, on Studs% Glass / Metal Curtain Wall% None% Insulated Sandwich PanelExterior: Roof Materials% Aluminum% Single-Ply Membrane% Asphalt shingles% Slate% Built-up, Smooth% Steel% Built-up, Tar and Gravel / Rock% Steel, Porcelain Coated% Copper% Tile, Clay% Fiberglass, Translucent panels% Tile, Concrete% Fiberglass, shingles% Tin (terne)% Metal Sandwich Panels% Wood, Shakes / Shingles% Mineral Fiber% None

Exterior: Roof Pitch% Flat% Low% Medium% HighInterior: Floor Finish% Brick% Slate% Carpeting% Synthetic Gym Floor% Concrete Sealer or Topping% Terrazzo% Epoxy% Tile, Asphalt% Gratings% Tile, Rubber% Hardwood% Tile, Vinyl Composite% Hardwood, Gym Floor% Tile, Ceramic% Linoleum% Tile, Quarry% Marble% Vinyl Sheet% Pedestal% None% SeamlessInterior: Ceiling Finish% Cold Storage Insulation% Textured Finish% Drywall% Tile, Acoustical% Drywall, Vinyl Covered% Tile, Cork% Paint% Tile, Metal% Plaster on Lath% Wallpaper or Vinyl% Plaster, Sprayed% Wood Paneling% Plywood, Hardboard, Fiberboard% None% Suspended AcousticalMechanicals: Heating System% Boiler and Piping Only% Steam or Hot Water with Radiators% Electric Baseboard or Wall Unit% Steam or Hot Water with Unit Heaters% Forced Warm Air% Thru-wall Units% Gas, Oil, or Electric Suspended Unit Heaters% Ventilation Only% Heat Pump% None% Rooftop UnitMechanicals: Cooling System% Chilled Water with Air Handlers% Rooftop Unit% Chilled Water with Fan Coil Units% Thru-wall Units% Evaporative Coolers% Unit AC - Air Cooled% Forced Cool Air% Unit AC - Water Cooled% Heat Pump% NoneMechanicals: Fire Protection Systems (% of Gross Area)% Sprinkler System% Automatic Fire Detection% Fire Alarm SystemMechanicals: Electrical Quality% High% Low% Average% NoneMechanicals: ElevatorsPassenger Elevators (Choose one value)[ ]None [ ]1[ ]2[ ]3[ ]4[ ]5[ ]6[ ]7[ ]8[ ]9[ ]10[ ]11[ ]12[ ]13[ ]14[ ]15[ ]4[ ]5[ ]6[ ]7[ ]8[ ]9[ ]10[ ]11[ ]12[ ]13[ ]14[ ]15Freight Elevators (Choose one value)[ ]None [ ]1[ ]2[ ]3User AdjustmentsBuilding Condition (Choose one value)[ ]Excellent[ ]Good[ ]Average[ ]Poor[ ]Very PoorEffective Age

1033113312BVSC OCCUPANCY CODESBasement, UnfinishedBasement, Partially FinishedBasement, FinishedBasement, Underground ParkingParking on First LevelApartment, Low-RiseApartment, Low-Rise, OlderApartment, High-RiseApartment, High-Rise, ShellApartment, High-Rise, Interior SpaceLuxury Apartment, High-RiseCondominiumCondominium, ShellCondominium, Interior SpaceDeluxe CondominiumRow HouseDormitoryFraternity HouseConvent or RectoryMansionBed & BreakfastHotel, Full ServiceHotel, Limited ServiceHotel, OlderLodgeMotelMotel, Double RowMotel, Single RowMotel, Extended StayRooming HouseOffice-Apartment (Motel)Office, Low-RiseOffice, Low-Rise, ShellOffice, Low-Rise, Interior SpaceOffice, Low-Rise, OlderOffice, Mid-RiseOffice High-RiseBank or Savings and LoanBank or Savings and Loan (Mini or Branch Bank)City Hall Or CourthouseGovernment Community Service BuildingRadio or TV Broadcast CenterMechanical PenthouseStore or Shop, GeneralStore or Shop, OlderBarber ShopFlorist ShopBookstoreDrugstoreDepartment StoreDepartment Store, DiscountShopping Center, Strip TypeShopping Center, Strip Type, ShellShopping Center, Strip Type, Interior spaceShopping Center, Mall TypeShopping Center, Mall Type, ShellShopping Center, Mall Type, Interior SpaceMercantile (Continued)3400Store with Offices Above3401Store with Apartment Above3500Convenience Food Store3505Supermarket3510Warehouse Food Store3600Furniture Warehouse/Showroom3700Home Improvement CenterRestaurant/Recreation4100Fast Food without Seating4110Fast Food with Seating4115Dining4120Cafeteria4125Bar or Lounge4200Bowling Center4205Cinema4206Theater, Live Stage4210Clubhouse/Recreation Building4215Country Club4220Community Center4225Senior Clubhouse4230Indoor Tennis Club4232City Club4235Health and Racquetball Club4240Health Club4242Fitness Center4245Indoor Ice or Roller Rink4300Park Restroom Building4305Dressing and Shower facility4310Enclosed Park Pavilion4315Open Park Pavilion4320Concession Stand4325Concession Stand with Press BoxProfessional Services5100Medical Clinic5110Hospital5120Outpatient Surgical Center5125Dispensary5130Dental Office/Clinic5200Nursing Home/Convalescent Center5210Home for the Elderly5215Multiple Residence, Senior Citizen5220Multiple Residence, Assisted Living5225Group Care Home5230Funeral Home5300Veterinary Clinic5305Dog KennelPublic Buildings6100Church, Basic6105Church, Average6110Church, Elaborate6115Church, Traditional6120Church, Contemporary6125Church, Contemporary, High6130Church, Contemporary, Mansard6135Church, Modern A-Frame6140Church, Auditorium Type6145Church with Sunday School6155Educational Wing6200Fellowship Hall6205Fraternal BuildingADDITIONAL CODES ON BACK

Public Buildings (Continued)Services (Continued)6300Elementary School7170Truck Terminal6310Junior High School7175Municipal Service Garage6314High School7180Laundromat6318School, Older7200Parking Structure6321Fine Arts/Crafts Building (Elem - High School)7300Self-Storage Facility6322Classroom (Elem - High School)7310Mini-Warehouse6324Lecture Classroom (Elem - High School)7315Mini-Warehouse, High-RiseIndustrial6325Library/Media Center (Elem - High School)6326Manual Arts Building (Elem - High School)8100Manufacturing, Light6327Multipurpose Buildings (Elem - High School)8101Manufacturing, Pole Frame6329Science Classrooms8200Warehouse, Light6330Gymnasium (Elem - High School)8201Warehouse, Pole Frame6340Vocational School;8210Warehouse, Heavy6345Technical Trades Building8215Warehouse, Mega6400University8220Warehouse, Cold Storage6402Administration Building (University or Trade School)8221Cold Storage Facilities6404Classroom (University)8300Industrial Mall Building6406Laboratory (University)8301Industrial Mall Building, Interior Space6408Lecture Hall (University)8302Industrial Mall Building, Shell6410Library (University)8400Utility Building6412Fine Arts/Crafts Building (University)8402Utility Building, Light Commercial6414Commons (University)8410Boiler House6420Physical Education Building (University)8500Wholesale Occupancy6422Field House8510Industrial Park Building6424Auditorium8515Manufacturing, Heavy6426Natatorium8516Manufacturing, Heavy Industrial6500Library (Public)8520Office Service Center Building6505Fire Station8525Production Laboratory6506Fire Station, Volunteer8530High-Tech Production Facility6510Police Station or Jail8535Industrial Flex Building6511Jail, Correctional FacilityProcesses6515Post Office9000Bakery6516Post Office, Branch9010Bottling Plant6517Post Office Main, Processing Facility9020Cannery6520Air Terminal (Small Regional)9030Dairy6522Air Terminal (Large Commercial)9040Laundry or Dry Cleaning Plant6525Armory9050Commercial Greenhouse6530Atrium6531Dining Atrium6540Day Care Center6550Museum6560Visitor CenterServices7100Service Station7105Truck Stop7110Auto Repair/Service Center7115Quick Oil Change Facility7120Car Wash7121Car Wash, Self-Serve7122Car Wash, Automatic7125Showroom with Service Area7126Automobile Showroom7130Marina7131Boat Storage7140Service Occupancy7150Aircraft Hangar7151Storage Hangar7152T-Hangar7160Lumber Storage Facility7165Bus TerminalRevised 11/03

M I D W E S TT E C H N I C A LDATE:6/7/04 (Re-issued 5/19/05)TO:All Commercial InspectorsFROM:Bob HumphreyRE:Habitational Valuations for Commercial Reports –UPDATEDM E M O**GUIDELINES FOR CL VALUATIONS ON HABITATIONAL TYPE STRUCTURES**Effective immediately, we are to follow these new guidelines when completing avaluation on a habitational type risk. This includes single family dwellings converted tooffices or other types of occupancy.SINGLE FAMILY DWELLING STRUCTURES 1 Family Dwelling – RCT (or E2VE, if customer requests) 2 - 4 Family structure converted from 1 Family Dwelling – RCT (or E2VE, if customerrequests) Office or other occupancy converted from single family dwelling that does not include amajor change in the layout or design of the dwellings interior - RCT (or E2VE,if customer requests) Office or other occupancy converted from single family dwelling that has had a majorchange in the layout or design of the dwellings interior - BVSCAPARTMENT STRUCTURES 2 - 4 Family structure that includes duplex, triplex, & quadplex structures vertically (2,3, or 4 story in height) or horizontally (Townhouse style) constructed - BVSC 5 or more Family structure - BVSCCONVERTED NON-HABITATIONAL STRUCTURES TO HABITATIONAL Habitational structure that has been converted from a non-habitational structure (PoleBuilding, Manufacture Building, Warehouse, Office Building) of single ormultiple occupancy - BVSCFor any other forms of habitational “ONLY” occupancy not described above, completethe BVSC valuation format.

How To Identify EIFS Versus Traditional Hard-Coat or StuccoExterior Insulation and Finish Systems [EIFS] are non-load bearing exterior wall systems; mostof which are designed to be attached to exterior sheathing with an adhesive or mechanicalfastener. Often referred to as synthetic stucco, EIFS are designed to provide a weather [resistant]barrier with a decorative finish coat and thermal insulation. These systems are used on bothresidential and commercial buildings and, in appearance, look very much like traditional stucco.The EIFS Industry Members Association [EIMA], states that EIFS typically consist of thefollowing components:1. insulation board, made of polystyrene or polyisocyanurate foam, which is secured to theexterior wall surface with a specially formulated adhesive and/or mechanical attachment2. a durable, water-resistant base coat, which is applied on top of the insulation andreinforced with fiber glass mesh for added strength3. an attractive and durable finish coat - typically using acrylic co-polymer technology which is both colorfast and crack-resistant.FOAM INSULATION BOARD:MECHANICAL ATTACHMENT:REINFORCEMENT MESH:BASE COAT:FINISH TOP COAT:

If the construction of the exterior finish cannot be determined through a visual inspection or byinterviewing the owner of the home, there are several “hands-on” or “visible” indications, whichinclude:EIFS, with its’ foam insulation board, is a relatively soft and light weight material. Pushhard on EIFS and you should feel some “give” into the soft insulation board. Traditionalstucco is typically installed over metal lath and it will not “give” in the same manner. Inother words, thumping EIFS with your hand will produce a hollow sound and feel; whilestriking stucco with your hand will give you a more solid sound and feel.Lightly scratch the exterior coating of the EIFS with your fingernail(s). You willtypically hear an echo with EIFS and not with masonry stucco.Touch the EIFS with your fingertips. EIFS are generally warmer and feels “softer” thanthe colder, harder masonry stucco. You can also feel with your fingers, the bottom edgeof the system at ground level for the foam board.EIFS is typically considered to be more aesthetically pleasing than traditional stucco.This is particularly true with regards to its’ lack of noticeable control or expansion jointswhich are necessary in a traditional stucco over wood frame application (note thehorizontal lines below). Expansion joints may be found in EIFS but typically at thefoundation level and possibly where architectural elements overlay the system.EIFS, because of its’ foam insulation board, is very easy to shape into differentarchitectural trim elements such as decorative bands around windows and doors, quoinson the corners or moldings around the roofline. Traditional stucco is only used in the“field” or surfaces other than trim.

Lastly – EIFS was introduced into the US market in 1969 by Dryvit originally for commercial application. By 1980 – it had spread to wider usein the residential homebuilding market. For the value homes being inspectedby our fee companies, the following assumptions should be made: 1980 post construction – assume the home is EIFS unless thehomeowner is interviewed and proven otherwise.1969-1980 construction – assume the home is EIFS unless thehomeowner is interviewed or by using one of the above methods, canbe determined otherwise.Prior to 1969 construction – assume the home is hard-coat or masonrystucco.

1221 Apartment, High-Rise, Shell 4110 Fast Food with Seating 1222 Apartment, High-Rise, Interior Space 4115 Dining 1225 Luxury Apartment, High-Rise 4120 Cafeteria 1300 Condominium 4125 Bar or Lounge 1331 Condominium, Shell 4200 Bowling Center 1332 Condominium, Interior Space 4205 Cinema 1340 Deluxe Condominium 4206 Theater, Live Stage

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