Loading...
HomeMy WebLinkAboutBuilding Permit #780 - 240 CHARLES STREET 4/27/2012TOWN OF NORTH ANDOVER APPLICATION FOR PLAN EXAMINATION permit N0: 4. Date Issued: ORTANT: Applicant must c LOCATION 5+ / Print �,-„.,,,-,,,Tv nWNF.R ��2cA�2 �--Y4w�2.c,►�c Date Received :5` Print MAP NO: PARCEL: ZONING DISTRICT: TYPE OF MF ❑ New Buil ❑ Addition ❑ Alteration ❑ Repair, re ❑ Demolitioi o,s pti K�� Water/S�� all items on this ; c w St N A 6 i s -6<< Historic District yes no Machine Shop Village yes no 100 year-old structure yes no 'ROVEMENT PROPOSED USE Residential Non- Residential ing ❑ One family 0 Two or more family ❑ Industrial No. of units: ❑ Commercial placement ❑ Assessory Bldg ❑ Others: i ❑ Other 'Well #�� � � �' ' '�� , ®'F�loodplam'� KD�l�etlandS141, r 3fi �'��Wa et�rshe�dD s� iev � y X r� ".� { >< , aSS` L a .'e,'� DESCRIPTION OF WORK TO BE PERFORMED: 1 l r1aW `Z a ” Fo z�-a (Identification Please Type or Print Clearly) OWNER: Nie �. .��c �g-..,r- n 5(-m 4 Phone: Address: CONTRACTOR Name: wlt= oEtj �Dn Phone: �33D2 DD�� Address: --i Supervisor's Construction Licensee 1 ' � `7G �� Exp. Date: Home Improvement License: Exp. Date: ARCH ITECVENGINEER .k�Q6-=rL/SC t4 Phone: '6 '4q'7 76� CArA o c M it, 2" Address: � s S -'c: is �' t X36 _eg. No. FEE SCHEDULE: BULDING PERMIT. $12.00 PER $1000.00 OF THE TOTAL ESTIMATED COST BASED ON $125.00 PER S.F. Total Project Cost: $,meq (, L l a l , p0 FEE: $ 51 o -5 Receipt No.: 2 5"�z 5'3 Check No.: NOTE: Persons contracting with unregistered contractors do not have access ythe ga`anra)dy�nd Location No. 7,F- 0 Date -2-7 / 2_ Check # 25243 TOWN OF NORTH ANDOVER Certificate of Occupancy Building/Frame Permit Fee Foundation Permit Fee Other Permit Fee TOTAL B ilding Inspector I Plans Submitted ❑ Plans Waived ❑ Certified Plot Plan ❑ Stamped Plans ❑ TYPE OF SEWERAGE DISPOSAL Public Sewer ❑ Tanning/Massage/Body Art ❑ Swimming Pools Well ❑ Tobacco Sales ❑ Food Packaging/Sales Private (septic tank, etc. ❑ Permanent Dumpster on Site ❑ THE FOLLOWING SECTIONS FOR OFFICE USE ONLY INTERDEPARTMENTAL SIGN OFF - U FORM DATE REJECTED DATE APPROVED PLANNING & DEVELOPMENT ❑ ❑ COMMENTS CONSERVATION Reviewed on Signature COMMENTS HEALTH Reviewed on Signature COMMENTS Zoning Board of Appeals: Variance, Petition No: Zoning Decision/receipt submitted yes Planning Board Decision: Conservation Decis Comments Comme Water & Sewer Connection/Signature & Date Drivewav Permit DPW Town Engineer: Signature: Located 384 Osgood Street FIRE DEPARTMENT - Temp Dumpster on site yes no Located at 124 Main Street Fire Department signature/date COMMENTS pimension Number of stories:_ Total square feet of floor area, based on Exterior dimensions. Total land area, sq. ft.: ELECTRICAL: Movement of Meter lyes ion, mast or service drop requires approval of Electrical Inspector DANGER ZONE LITERATURE: Yes No MGL Chapter 166 Section 21A—F and G min.$100-$1000 fine Doc:.Building Permit Revised 2011 Jumelmi Building Department The following is a list of the required forms to be filled out for the appropriate permit to be obtained. Roofing, Siding, Interior Rehabilitation Permits o Building Permit Application ❑ Workers Comp Affidavit ❑ Photo Copy of H.I.C. And/Or C.S.L. Licenses ❑ Copy of Contract ❑ Floor Plan Or Proposed Interior Work ❑ Engineering Affidavits for Engineered products NOTE: All dumpster permits require sign off from Fire Department prior to issuance of Bldg Permit Addition or Decks ❑ Building Permit Application ❑ Certified Surveyed.Plot Plan o Workers Comp Affidavit o Photo Copy of H.I.C. And C.S.L. Licenses ❑ Copy Of Contract o Floor/CrossectionlElevation Plan Of Proposed Work With Sprinkler Plan And Hydraulic Calculations (If Applicable) o Mass check Energy Compliance Report (If Applicable) ❑ Engineering Affidavits for Engineered products NOTE: All dumpster permits require sign off from Fire Department prior to issuance of Bldg Permit New Construction (Single and Two Family) ❑ Building Permit Application ❑ Certified Proposed Plot Plan o Photo of H.I.C. And C.S.L. Licenses ❑ Workers Comp Affidavit ❑ Two Sets of Building Plans (One To Be Returned) to Include Sprinkler Plan And Hydraulic Calculations (If Applicable) ❑ Copy of Contract ❑ Mass check Energy Compliance Report ❑ Engineering Affidavits for Engineered products NOTE: All dumpster permits require sign off from Fire Department prior to issuance of Bldg .Permit In all cases if a variance or special permit was required the Town Clerks office must stamp the decision from the Board of Appeals that the appeal period is over. The applicant must then get this recorded at the Registry of Deeds. One copy and proof of recording must be submitted with the building application Doc: Doc.Buildiag Permit Revised 2008mi KLE/NFELDER Bright People. Right Solutions. June 17, 2013 Mr. Gerald Brown Building Department Town of North Andover 120 Main Street North Andover, MA 01845 RE: Greater Lawrence Sanitary District I Wastewater Pumping Station Improvements & For< i Dear Mr. Brown: Kleinfelder/S E A designed and performed Construction Ac referenced project. The project was designed in accordance with the Massa my knowledge, information and belief the construction ha with the plans and specifications and the Massachusetts B substantially complete on April 19, 2013. Respectfully yours, KLEINFELDER/S E A CONSULTANTS /V 4 -fl r el e— Mark J. Thompson, P.E. cc: Mr. Richard Weare, GLSD SEA S E A CONSULTANTS INC. 2Ao Ck G -n I e -s SkL�L� 215 First Street, Suite 320, Cambridge, Massachusetts 02142 T: 617.497.7800 F: 617.498.4630 www.seacon.com Cambridge, MA 0 Framingham. MA • New Bedford, MA 0 Augusta, ME • Manchester, NH • Rocky Hill, CT KLE/NFELDER r; S E A Bright People. Right Solutions.�_ S E A CONSULTANTS INC. June 17, 2013 Mr. Gerald Brown Building Department Town of North Andover 120 Main Street North Andover, MA 01845 RE: Greater Lawrence Sanitary District Wastewater Pumping Station Improvements & Force Main Replacement Project Dear Mr. Brown: Kleinfelder/S E A designed and performed Construction Administration services for the above - referenced project. The project was designed in accordance with the Massachusetts Building Code. To the best of my knowledge, information and belief the construction has been constructed in conformance with the plans and specifications and the Massachusetts Building Code. The project was substantially complete on April 19, 2013. Respectfully yours, KLEINFELDER/S E A CONSULTANTS /Y 4-(1 1.? %V - Mark J. Thompson, P.E. cc: Mr. Richard Weare, GLSD 215 First Street, Suite 320, Cambridge, Massachusetts 02142 T: 617.497.7800 F: 617.498.4630 -.vAvw.seacon.com Cambridge, MA 0 Framingham, MA 0 New Bedford, MA • Augusta, ME • Manchester, NH 0 Rocky Hill, CT KLE/NFELDER n S E A �Bright People. Right Solutions w--•-•---- � S E A CONSULTANTS INC. June 17, 2013 Mr. Gerald Brown Building Department Town of North Andover 120 Main Street North Andover, MA 01845 RE: Greater Lawrence Sanitary District Wastewater Pumping Station Improvements & Force Main Replacement Project Dear Mr. Brown: Kleinfelder/S E A designed and performed Construction Administration services for the above - referenced project. The project was designed in accordance with the Massachusetts Building Code. To the best of my knowledge, information and belief the construction has been constructed in conformance with the plans and specifications and the Massachusetts Building Code. The project was substantially complete on April 19, 2013. Respectfully yours, KLEINFELDER/S E A CONSULTANTS Mark J. Thompson, P.E. cc: Mr. Richard Weare, GLSD 215 First Street, Suite 320, Cambridge, Massachusetts 02142 T: 617.497.7800 F: 617.498.4630 vvivw.seacon.com Cambridge, MA 0 Framingham, MA • New Bedford, MA • Augusta, ME • Manchester, NH • Rocky Hill, CT HENMhusn CONSTRUCTION June 17, 2013 Mr. Gerald Brown Building Department Town of North Andover 120 Main Street North Andover, MA 01845 RE: Greater Lawrence Sanitary District Wastewater Pumping Station Improvements & Force Main Replacement Dear Mr. Brown, Methuen Construction performed the construction services for the above referenced project. To the best of my knowledge the construction was performed in accordance with the plans and specifications as designed by Kleinfelder/SEA. The project was substantially complete on April 19, 2013. Feel free to contact me directly should you have any questions regarding this matter. Sincerely, Cri'L/ Jason C. Babbidge Project Manager Methuen Construction CC: Richard Weare (GLSD) Mark Thompson (Kieinfelder/SEA) Methuen Construction Co., Inc. 140 Lowell Road i Salem, NH 03079 1 Phone: 603.328.2222 I Fax: 603.328.2233 E' #I rA ICA FR, o ` �• O N � C O �: ac o� C 0 �� W :oa ,a ° � E 5 Q co w= I` 0 C u a O z E N_ s N N C O R ca cm c v m 0 cm c 'c N m s O Z O O I O O O � O Z d O CO) CD cm0 C C ca 0 'O 0 — y O O ECD ow mm CL~ +=+ ♦� 3 "0 O 0 O CD _R O Q CL C Q o= c RCc vca m C3 O c Z m V H A C ca �C. C d 0 a x 0 o 0 p > o C7 a .-� w oto v Ca Va V G o v O o O O q O G ~ w U) w o4 U u. w tr.o4 cq w w w w cn cn o ` �• O N � C O �: ac o� C 0 �� W :oa ,a ° � E 5 Q co w= I` 0 C u a O z E N_ s N N C O R ca cm c v m 0 cm c 'c N m s O Z O O I O O O � O Z d O CO) CD cm0 C C ca 0 'O 0 — y O O ECD ow mm CL~ +=+ ♦� 3 "0 O 0 O CD _R O Q CL C Q o= c RCc vca m C3 O c Z m V H A C ca �C. C d 0 The Commonweatth of Massachusetts Department oflndustriat.accidents Office oflnvestigationg 600 Mashington Street Boston, MA 02111 V www.massgov/dia Workers' Compensation Insurance Affidavit: guilders/Contractors/Electricians/Plumbers plicant In%rmafion riease rant Legibly Name (Business/Organization/Individual):VM-It-���� ti3 �-�t-U L1 i 0 rJ Cn Address: 0 Lo we l l IRO Art> -City/State/Zip:_ pti M' . d `1c� one Ph #: � 3 A,rre,yo an employer? Check the appropriate bo 1• LYI am a 7aam Type of employer with g �_ 4. a general contract or and I project (required): employees (full and/or part time).* 2• ❑ I am a sole proprietor or have hired the sub -contractors listed 6. ❑ New construction partner- ship and have no employees on the attached shiet. 4 These sub -contractors have 7. ❑ Remodeling 8' 01 Demblition working for mein any capacity. [No workers' comp, insurance workers' comp, insurance. 5. ❑ We ate a corporation and its 9' ❑ Building addition required.] 3. ❑ I am a homeowner doing all work 'Officers have exercised their right of exemption 10.❑ BIectrical repairs or additions Myself [No workers' comp, per MGL c.152, §1(4), andwe have no 11.❑Plumbing repairs or additions insurance requiredJ t employees. [No 12❑ of repairs comp insurance 13. Mn csc-& db� R requued.] � '"Any applicantthat checks box#1 must also fill out the section below showing their workers' compensation policy infomretion CeM e t Homeowners who submit this affidavit indigating they are doing all work and then hire outside contractors must submit anew affidavit indicating such. tContractors that check this box must attached an additional sheet showing the name of the sub -contractors and their workers' comp, policy information. I am an employer that is providing workers' compensation insurance for my employees Below is the policy and job site information. insurance Company r\SvC c,nee- Policy # or Self -ins. Lie. #: A M (} p o ( 0 4 -) (z,' Expiration Date.___y / _LL5__ 5 rob Site Address: kc, :f=s Sic -,e—t Attach a copy of the workers' cCity/State/Zip: P a . ompensation policy declaration page (showing the policy number and expiration date). Failure to secure coverage as required under Section 25A of MGL c. 152 can lead to the imposition of criminal penalties of a flue up to $1,500.00 and/or one-year imprisonment, as well as civil penalties in the form of a STOP WORK ORDER and a fine of up to $250.00 a day against the violator. Be advised that a copy of this statement may be forwarded to the Office of Investigations of the D9 for insurance coverage verification. rdo hereby certify under the pains andpenaltles ofperjury that the information provided above zs true and correct. ` -- ature: Mone k- 0 Qg- lujiaccal use only. Do not Write in this area, to he completed by city or town official City or Town: Permit/License # Issuing Authority (circle one): I. Board of Health 2. Building Department 3. City/Town Clerk 6 Other 4. Electrical Inspector 5. Plumbing Inspector Contact person: Phone #: Information and Instructions Massachusetts General Laws chapter 152 requires all employers to provide workers' compensation for their employees. Pursuant to this statute, an employee is defined as "...every person in the service of another under any contract of hire, express or implied, oral or written." An employer is defined as "an individual, partnership, association, corporation or other legal entity, or any two or more of the foregoing engaged in a joint enterprise, and including the legal representatives of a deceased employer, or the receiver or trustee of an individual, partnership, association or other legal entity, employing employees. However the owner of a dwelling house having not more than three apartments and who resides therein, or the occupant of the dwelling house of another who employs persons to do maintenance, construction or repair work on such dwelling house or on the grounds or building appurtenant thereto shall not because of such employment be deemed to be an employer." MGL chapter 152, §25C(6) also states that "every state or local licensing agency shaU'wlthhold the issuance -or renewal of a license or permit to operate a business or to construct buildings in the commonwealth for any applicant who has not produced acceptable evidence of compliance with the insurance coverage required" Additionally, MGL chapter 152, §25C(7) states "Neither the commonwealth nor any of its political subdivisions shall enter into any contract for the performance ofpublic work until acceptable evidence of compliance with the insurance requirements of this chapter have been presented to the contracting authority!' Applicants Please fill out the workers', compensation affidavit completely, by checking the boxes that apply to your situation and, if necessary, supply sub -contractors) name(s), address(es) and phone number(s) along with their certificate(s) of - insurance. Limited Liability Companies (LLC) or Limited Liability Partnerships (LLP) with no employees other than the members or partners, are not required to carry workers' compensation insurance. if an LLC or LLP does have employees, a policy is required. Be advised that this affidavit maybe submitted to the Department of Industrial Accidents for confirmation of insurance coverage. Also be sure to sign and date the affidavit. The affidavit should be returned to the city or town that the application for the permit or license is being requested, not the Department of Industrial Accidents. Should you have any questions regarding the law or if you are required to obtain a workers' compensation policy; please call the Department at the number listed below. Self-insured companies should enter their ,self-insurance license number on the appropriate line. City or Town Officials Please be sure that the affidavit is complete and printed legibly. The Department has provided a space at the bottom of the affidavit for you to fill out in the event the Office of Investigations has to contact you regarding the applicant. Please be sure to fill in the permit/license number which will be used as a reference number. In addition, an applicant that must submit multiple permit/license applications in any given year, need only submit one affidavit indicating current policy information (ifnecessary) and under "Job Site Address" the applicant should write "all locations in • (city or town)." A copy of the affidavit that has been officially stamped or marked by the city or town may be provided to the applicant as proof that a valid affidavit is on file for future permits or licenses. A new affidavit must be filled out each year. Where a home owner or citizen is obtaining a license or permit not related to any business or commercial venture (i.e. a dog license or permit to bum leaves etc.) said person is NOT required to complete this affidavit. The Office of Investigations would like to thank you is advance for your cooperation and should you have any questions, please do not hesitate to give us a call. The Department's address, telephone and fax number: The Commonwealth of Massachusetts Department of Xnidustrial Accidents Office of Investigations 600 Washington Street Boston; MA, 0211 X Tel. # 617-727-4900 east 406 or 1.-877 MA.ssAFE Revised 5-26- . 05 Fax # 617"727•-7744 www.amass.govMa. _ n as �\k \ /2a w _\C \a± cn }a $ (D /{ w Rea cd0 > ` 0. 0\ \ \ \ § 0. w 2 ' a m%I )} w � W � .� METHUEN CONSTRUCTION CO. 40 LOWELL ROAD SALEM, NH 03079 AS OF THIS DATE, 4/24/12, SUBCONTRACTORS HAVE NOT YET BEEN IDENTIFIED FOR THIS PROJECT GLSD-72" FORCE MAIN REPLACEMENT METHCON-01 '4� �'* CERTIFICATE OF LIABILITY INSURANCE I DAT13012012 3130!2012 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMENDI EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: N the certificate holder Is an ADDITIONAL INSURED, the policy(les) must be endorsed. It SUBROGATION iS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsemenL A Statement on this certificate does not confer rights to the certificate holder in lieu of such endomemen s . CONT PRODUCER N ME: CT TD Insurance, Inc. MA 800 723-2877 Ne : 877 775-0110 PO Box 406 E-MAIL Portland, ME D4112 INSURED Methuen Construction Co., Inc. .40 Lowell Road Salem, NH 03078 rIMICDAGKQ CERTIFICATE NUMBER* Wausau Underwriters Insurance Corr Starr Indemnity & Liability Co ABC MA WC SELF-INSURED GROUP HANOVER INSURANCE COMPANY LIBERTY MUTUAL INSURANCE COM REVISION NUMBER THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSLIMITS LTR TY PE OF INSURANCE POLICY NUMBER MMID MMR) A GENERAL LIABILITY X COMMERCIAL GENERALLUIBWTY CLAIMS -MADE ❑X OCCUR X X ICOMBINED JZ11260416011 7/1/2011 7/112012 EACH OCCURRENCE S 1.000,00 PR MIS $_� 100'00 MED EXP( eneperoon S 10.00 PERSONAL & ADV INJURY S 1,000,00 GENERAL AGGREGATE $ 2,000,00 GENLAGGREGATE LIMIT APPLIES PER: POLICY FRI P.91?, LOCI PRODUCTS -COMPIOPAGG S 2,000,00 s; B AUTOMOBILE LIABILITY L O AEO SCHEDULED AUTOS Ix ANYAUTO HIRED AUTOS X AAUTOSONO$ ED X X ASJZ11260415031 71112011 711/2012 SINGLE LIMIT a wm 1,000,00 BODILYINJURY(Perpenwl) BODILYINJURY(Perecodenq S Pereed AMA i i C X UMBRELLAUAB EXCESS LIAB X OCCUR CLAna 4WE X X SISCCCLO1625611 711/2011 711/2012 EACHOCCURRENCE $ 11,000,00 AGGREGATE $ 11,000,000 DED I X I RETENTIONS S D WORKERS COMPENSATION - AND EMPLOYERS'LABILITY' ANY PROPRIETORIPARTNERVMUTIVEYQ OFFICERUMEMBER EXCLUDED? (Marwin&MInNH) It yEw deealbe under DESCRIPTION DF OPERATIONS bobw NIA ABCMAOCID4712 111/2012 111/2013 X LAC TA 0TH• E.LEACHACCIDENT $ 1,000,00 E.LDISEASE -EAEMPLOYE S 1.000,00 EL DISEASE - POLICY LIMB s 1,000,00 E F- Builders Risk Owners/Contr. Protec IHE92OD738 TF1Z71260416-202 611/2011 511/2012 611/2012 511/2013 Ded $5,000 10,000,00 $1MW$2MM Limit DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (Aaech ACORD 101, AddWonal Remaft Schedule, U more spas to requlnx6 RE: Greater Lawrence Sanitary District (GLSD) Riverside Pump Station Modifications and 72" Force Main Repplacement, CWSRF 03491 Project. Includes: Railroad Protective Liability policy with Liberty Mutual; Policy Number TE1411-260415.212; 5M12012 to 61112013; $2,000.000 Each Occurrence, $6,000,000 Ag9gregate Limits. Additional Insured and Waiver of Subrogallon appilea per written contract and Is subject to policy terms and conditions. Full Additional insured Name: Greater Lawrence Sanitary District, Klelnfekfed S EA Consultants. Coverage Is primary for owner & engineer. Greater Lawrence Sanitary District 215 Flrst Street, Suite 320 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WiTH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE TD Insurance, Inc. vel Tyea-LU"IU A�,ur�u a.vrcrvrw i rvn. na r,guw .com •oo. ACORD 26 (2010105) The ACORD name and logo are registered marks of ACORD 11 Policy Number YVJ ZII-260415-011 Issued by WAIUSAIU UNDERWRITERS INSURANCE COWAN tl THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO THIRD PARTIES This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE PART MOTOR CARRIER COVERAGE PART GARAGE COVERAGE PART TRUCKERS COVERAGE PART EXCESS AUTOMOBILE LIABILITY INDEMNITY COVERAGE PART SELF-INSURED TRUCKER EXCESS LIABILITY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART Schedule Name of Other Person(s) / Email Address or mailing address: Number Days Notice: Or ankation s : Per -Schedule on file with the Company A. If we cancel this policy for any reason other than nonpayment of premium, we will notify the persons or organizations shown in the Schedule above. We will send notice to the emall or mailing address listed above at least 10 days, or the number of days listed above, If any, before the cancellation becomes effective. In no event does the notice to the third party exceed the notice to the first named insured. B. This advance notinc atton of a pending cancellation of coverage Is Intended as a courtesy only. Our failure to provide such advance notification will not extend the policy cancellation date nor negate cancellation of the policy. All other terns and conditions of this policy remain unchanged. BED LIM 99 010511 0 2011 Liberty Mutual Group of Companies, All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc., with Its .permission.