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A design class (short BAK or BKL) is a classification of a building dependent on its building method, e.g. concrete building method, timber construction method, etc.

To be predominantly used these classifications for the risk-fair evaluation of a building for the property insurance.

Dependent on the branch of insurance (e.g. agriculturally, commercially, industrially, privately) and the Tarifgestaltung numerous design classes are differentiated. An organization for private buildings genutze for living purposes contains the usually at least following design classes:

  • BAK 1: Substantial building method, hard Dachung
  • BAK 2: Usually more flammable building method, with hard Dachung. Often by this ausgefachte half timbered houses e.g. fall, in addition, with stone. Prefabricated buildings in timber construction method, which would belong to the design type 3 to and for itself, however are fire-retardant encased.
  • BAK 3: Flammable objects with hard Dachung, like e.g. Prefabricated buildings from wood or block plank houses.

With prefabricated buildings usually instead of of design classes rather of groups of prefabricated buildings (FHG) one speaks. The group organization is however comparable with that of the design classes.


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