Design class

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A design class (BAK or BKL for short) is a classification of a building depending on its construction, e.g. B. Concrete construction, timber construction, etc.

These classifications are mainly used for the risk-based assessment of a building for building insurance .

Depending on the insurance branch (e.g. agricultural, commercial, industrial, private) and the tariff structure, numerous design classes are distinguished. A classification for private buildings used for residential purposes usually contains at least the following construction type classes:

  • BAK 1: Solid construction , hard roofing
  • BAK 2: Mostly flammable construction, with hard roofing. This often includes half - timbered houses filled with stone , but also z. B. prefabricated houses in wood construction, which would belong to type class 3 in and of themselves, but are fire-retardant coated.
  • BAK 3: Flammable objects with hard roofing, such as B. Prefabricated houses made of wood or log houses .
  • BAK 4: like BAK 1 or BAK 2, soft roofing (e.g. complete or partial covering with wood, reed, reeds, straw, etc.)
  • BAK 5: like BAK 3, soft roofing (e.g. complete or partial covering with wood, reed, reeds, straw, etc.)

In the case of prefabricated houses , prefabricated house groups (FHG) are usually spoken of rather than type classes. The grouping is however comparable to that of the design classes.