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Most HO-3 policies cover personal property on an actual cash value basis, meaning you might be left with out-of-pocket costs if basement flooding damages your belongings.
A reinforced concrete column is a structural member designed to carry compressive loads, composed of concrete with an embedded steel frame to provide reinforcement. For design purposes, the columns are separated into two categories: short columns and slender columns.
A Lally column is a round or square thin-walled structural steel column filled with concrete, [1] and oriented vertically to provide support to beams or timbers stretching over long spans. Lally columns are an engineered component and as such must be installed exactly as the design engineer specified.
A walk-out basement is any basement that is partially underground but nonetheless allows egress directly outdoors and has floating walls. This can either be through a stairwell leading above ground, or a door directly outside if a portion of the basement is completely at or above grade. Many walk-out basements are also daylight basements.
A steel column is extended by welding or bolting splice plates on the flanges and webs or walls of the columns to provide a few inches or feet of load transfer from the upper to the lower column section. A timber column is usually extended by the use of a steel tube or wrapped-around sheet-metal plate bolted onto the two connecting timber sections.
Vibro stone columns or aggregate piers are an array of crushed stone pillars placed with a vibrating tool into the soil below a proposed structure. This method of ground improvement is also called vibro replacement. Such techniques increase the load bearing capacity and drainage of the soil while reducing settlement and liquefaction potential ...