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Building Fundamentals (BOV)About This ReportBuilding Fundamentals delivers key building characteristics, scored foraccuracy based on Verisk analytics, along with photos and aerial imagery ofthe building, and other important information related to the propertyincluding the location and the business operations.990 N CHURCH STVerisk leverages the ProMetrix database of site verified commercialCHARLOTTE NC 28349-2256properties to corroborate the accuracy of municipal tax assessor records.Mecklenburg County
PROPERTY CHARACTERISTICSPublic record information on properties is available from most municipalities or counties in the United States. However, key property characteristics inthese records such as land use, reported construction type, square footage, year built, and number of stories vary widely in availability, precision andcurrency. In the Building Fundamentals, we make key property characteristics available to you all the time by using the power of predictive modeling anddefining Occupancy and Construction using the ISO industry standard codes and definitions.Property Characteristics modeling incorporates insights from a wide range of sources, built against ProMetrix robust site verified data.Property CharacteristicValueISO CodeISO Construction ClassFrame1Building Square Footage600Year Built1950Number of Stories1OccupancyLight Hazard Service Occupancies921This icon identifies where modeled data has been used in this report.ISO Construction ClassCategories of building construction established by Insurance Services Office, Inc. (ISO), in its Commercial Lines Manual (CLM) for purposes ofdeveloping rates for insuring commercial property, based on susceptibility to damage by fire. The six ISO CLM building construction categories and theassociated ISO construction codes, from the least fire-resistive category to the most fire-resistive category, are as follows.Frame — Exterior walls of wood, brick veneer, stone veneer, wood ironclad, or stucco on wood. (Construction Code 1)Joisted Masonry — Exterior walls of masonry material (adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials)with combustible floor and roof. (Construction Code 2)Noncombustible — Exterior walls, floor, and supports made of metal, asbestos, gypsum, or other noncombustible materials. (Construction Code 3)Masonry Noncombustible — Same as joisted masonry except that the floors and roof are of metal or other noncombustible materials. (ConstructionCode 4)Modified Fire Resistive — Exterior walls, floors, and roof of masonry or fire-resistive material with a fire resistance rating of at least 1 hour but lessthan 2 hours. (Construction Code 5)Fire Resistive — Exterior walls, floors, and roof of masonry or fire-resistive materials with a fire resistance rating of at least 2 hours. (ConstructionCode 6)OccupancyOccupancy has been defined from public record Land Use Codes and translated into ISO industry standard Commercial Statistical Plan (CSP)classification codes. The four-digit ISO CSP Classification Code identifies the type of business conducted by the building’s occupants. These risks aregrouped into categories based on statistics, including losses, occupant types, premiums, exposures and many other factors.2 of 7Verisk Insurance Solutions12/21/2020 12:02 PM
PHOTOSOverhead5/7/2020East2/17/2020West3/12/20203 of 7North2/17/2020South2/17/2020Verisk Insurance Solutions12/21/2020 12:02 PM
DETAILED LOCATION DATAPUBLIC PROTECTION CLASSIFICATIONPublic Protection Class:5ISO conducts detailed on-site assessments of municipal fire-protection capabilities and collects information for more than 45,000 fire districts acrossthe United States. ISO then analyzes the relevant data and assigns a PPC from 1 to 10. Class 1 represents exemplary public protection, and Class 10indicates that the area's fire-suppression program does not meet ISO's minimum evaluation criteria.TERRITORY CODESISO Commercial Territory Code:580ISO Group II Zone - Commercial:N/AISO Commercial Auto Territory Code:024BUILDING CODE EFFECTIVENESS GRADING SCHEDULE (BCEGS ) - COMMERCIALYearJurisdictionBCEGS Grade1996MECKLENBURG CO052002MECKLENBURG CO052009MECKLENBURG CO04WIND - DETAILEDDistance to Ocean or Gulf:30 miles and greaterDistance to Nearest Body of Water:30 miles and greaterCRIME INFORMATION - COMMERCIALLOCATION CAP Index crime information helps you identify the potential risk of personal and commercial crimes for specific addresses anywhere inthe United States. The reports reflect past, current, and forecasted crime indices for ten crime types, as well as an overall crime-risk score.Crime scores are based on crimes reported in an area surrounding the risk. For personal crime scores, the area analyzed extends out one mile from therisk or - in densely populated areas - the distance required to include a population of 25,000. For commercial crime scores, the area analyzed extendsout three miles from the risk location or the distance required to include a population of 100,000.LOCATION CAP Index compares a location's potential risk of crime against the national average and then uses a scale — from 1 (safest) to 10(worst) — to rank that location's scores. The scores are scaled so that a value of 5 is equal to the national average. Scores greater than 5 representabove-average predicted crime risks, while scores less than 5 indicate below-average risks.4 of 7Verisk Insurance Solutions12/21/2020 12:02 PM
Aggregate Crime ScoresCurrentCAP Index PastForecasted21(Class 2)40(Class 4)27(Class 3)22(Class 2)46(Class 4)29(Class 3)20(Class 2)30(Class 3)25(Class 3)PastForecastedWeighted average of the homicide, rape, and robberyscores. We emphasize these three crimes because, ina business environment, they pose the greatestdanger to employees and customers.Aggregate Crimes Against PersonThis score represents a weighted average ofhomicide, rape, robbery, and aggravated assault.Aggregate Crimes Against PropertyThis score represents a weighted average of burglary,larceny, and motor vehicle theft.Individual Crime ScoresCurrentArson21(Class 2)39(Class 4)26(Class 3)Auto Theft19(Class 1)29(Class 3)23(Class 2)Robbery22(Class 2)39(Class 4)28(Class 3)Aggravated Assault23(Class 2)50(Class 5)29(Class 3)Burglary20(Class 2)26(Class 3)30(Class 3)Homicide17(Class 1)46(Class 4)26(Class 3)Rape19(Class 1)45(Class 4)24(Class 2)Larceny21(Class 2)32(Class 3)24(Class 2)LOW0 - 19 (Class 1)Less than 1/5 of the national average20 - 24 (Class 2)1/5 to 1/4 of the national average25 - 32 (Class 3)1/4 to 1/3 of the national average33 - 49 (Class 4)1/3 to 1/2 of the national average50 - 99 (Class 5)1/2 to 1 times the national average (midpoint)100 - 199 (Class 6)1 to 2 times the national average200 - 299 (Class 7)2 to 3 times the national average300 - 399 (Class 8)3 to 4 times the national average400 - 499 (Class 9)4 to 5 times the national average500 - 2000 (Class 10)More than 5 times the national averageHIGHPROPERTY CHARACTERISTICS - PUBLIC RECORDPROPERTY CHARACTERISTICSGross Area:600Year Built:1950Stories:1Construction:N/AHeat Type:Forced Air Unit5 of 7Verisk Insurance Solutions12/21/2020 12:02 PM
Exterior Wall:ConcreteFoundation:FootingRoof Type:SHEDRoof Material:Built-UpQuality Grade:D-Condition:AverageOWNER INFORMATIONOwner Name:DAB CORPORATIONMailing Address:1234 MAIN ST, WILMINGTON, NC 28412-2350LAST MARKET SALE INFORMATIONRecording - Sale Date:N/ASale Price:N/ASITE INFORMATIONAcres:0.4Land Use:2055Building Class:N/ACounty:MECKLENBURGLot Width/Depth (Ft):0Lot Area:17,424Total Units:0# of Buildings:1TAX INFORMATIONTotal Value:N/ALand Value:N/AImprovement Value:N/AMarket Value: 33,829.00Assessed Year:2018Improve %:N/A6 of 7Verisk Insurance Solutions12/21/2020 12:02 PM
BUSINESSES AT ADDRESSNumber of Businesses at Address:1DAB Beauty ParlorBusiness Address:990 N Church St , Charlotte, NC 28349-2256Contact:John SmithTitle:N/APhone:(123) 456-7890Web Address:N/ASales Volume ( ):1,000 - 499,000Total Employees:1-4Primary Business / SIC:Beauty Salons / 723106NAICS:81211202Data provided by infogroup ORDERED BY: INSURANCE SERVICES OFFICEPOLICY#/INSURED: N/A 2008, 2020 Insurance Services Office, Inc. All rights reserved.7 of 7Verisk Insurance Solutions12/21/2020 12:02 PM
ISO Construction Class Categories of building construction established by Insurance Services Office, Inc. (ISO), in its Commercial Lines Manual (CLM) for purposes of developing rates for insuring commercial property, based on susceptibility to damage by fire. The six ISO CLM building construction categories and the
