API 28

Criminal act of burning or attempting to burn property.

Used by underwriters to describe the hazards associated with homes that are unoccupied during the day.

Windstorm when winds exceed speeds of 74 mph.

Special form of reinsurance that protects insurers against the adverse effects of catastrophes and limits the insurer's total loss from catastrophe to a predetermined amount.

Occurs in the spring in areas near orchards. If a late forst threatens the fruit buds or blossoms, oil-burning smudge pots are burned at night around the trees. Aa dark oily could covers the grees to prevent the frost from killing the buds. If this could is blown into a neighborhood of houses, damage could result.

Stands for the resistance to heat transfer. The higher the value, the better the resistance and insulation.

Refers to land all structures permanently attached to the land.

Refers to property other than real property.

Wall covering method that was used before Drywall

Protects combustible surfaces from the heat generated by a wood stove.

Doulbe walled pipe that allows a chimney pipe to pass through a combustible wall without a heat contact.

Clay and limestone that has aged for thousands of years to become a solid base for construction.