Which class of construction includes materials that are either fire resistive or masonry rated?

The correct answer is Class 5 - Modified Fire Resistive. This class of construction is characterized by the use of materials that provide a higher degree of fire resistance compared to standard materials. Modified fire resistive buildings often utilize enhanced fire-resistive materials that can withstand fire exposure for longer periods, providing a valuable layer of safety and protection.

Class 5 construction typically must meet specific criteria regarding the fire resistance ratings of structural elements, such as walls, floors, roofs, and other components. Such classifications are crucial in insurance and underwriting processes as they influence the likelihood of damage in the event of a fire, therefore impacting the overall risk assessment associated with insuring a property.

In contrast, the other classifications mentioned do not accurately represent the fire-resistant characteristics that define Modified Fire Resistive construction. Class 4 - Masonry Noncombustible involves materials that, while generally noncombustible, do not necessarily meet the enhanced fire resistance levels required for Class 5. Class 6 - Fire Resistive represents an even higher standard of fire resistance than Class 5, focusing on materials and construction methods that can withstand fire for extensive durations, but is not modified as Class 5 is. Class 3 - Frame refers to a construction type that is primarily