Nachi states the following:
When calculating the percentages of construction types all wall surfaces should be used. Simply use the wall length times the height ignoring openings.
Gable ends should also be included in the calculations.
I used the lineal feet of all walls and revised it per the above.
The insurance agent is telling me her inspectors always use S.F. area of floor.
Now she says she just got of the phone with Citizens and they say S.F. of floor area is acceptable.