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| The criminal act of burning or attempting to burn property |
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| Electrical circut breakers, that are plugged into outlets; electonic devices are then plugged into the surge protector outlets |
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| Term used by underwriters to describe the hazards associated with homes that are unoccupied during the day. |
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| Becomes a hurricane when its winds exceed speeds of 74 miles per hours |
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| A special form of reinsurance that protects insurers against the adverse effects of catastrophes and limits the insurer's total loss to a predetermined amount. |
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| If a late frost threatens fruit buds or blossoms, oil burning smudge pots are burned at night around trees. A dark oily cloud covers the trees to prevent the frost from killing the buds. |
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| Stands for resistance to heat transfer. |
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| Land and all structures permanently attached to the land. |
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| Property other than Real Property |
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| Wall covering method, used before drywall |
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| Protects combustible surfaces from the heat generated by a wood stove |
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| A double walled pipe that allows a chimney pipe to pass through a combustible wall without a heat contact. |
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Definition
| Identified by glass insulators nailed to roof and ceiling joists in the attic |
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| Clay and limestone aged for thousands of years to becoma a solid base for construction. |
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| Gravel and sand. (Might liquefy during an earthquake. |
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