Brick veneer construction means that a building has an outer wall made up of wood that it covered by an outer layer of brick. Because brick veneer buildings are thought to burn less easily than their all-wood frame counterparts, they often cost less to insure.
Despite incredible advances in modern technology in the past few centuries, buildings are still leveled to the ground every year because of fires. A fire can completely devastate a building and it can be set off by something as innocuous as an unattended candle. Brick veneer constructed buildings reduces the likelihood of these total losses by fire; therefore, insurance companies are willing to charge lower premiums to cover them.
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