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Mezzanine vs. Floor — What’s the Difference?

October 14, 2013

When determining the area of a building for insurance purposes, the addition or subtraction of a story vs. a mezzanine can make a significant difference. Mezzanines are found in all types of buildings, from warehouses to offices, churches to manufacturing facilities. They are typically not factored into the total square footage of the building.

So how do you know the difference between a partial upper floor and a mezzanine? Here are some simple rules* to help you sort it out.

  • A mezzanine is a partial floor with an area 25% or less of the floor it is located on.
  • Other construction features like whether it is a balcony or closed-in area do not play a role in determining if it is a mezzanine.
  • If the area in question has a different roof line from the floor below, it is considered a separate floor not a mezzanine.

Mezzanines

Building construction

If you’re unsure of the area, height, or number of stories of a building that you cover in Washington State order a Commercial Property InspectionWSRB Subscribers can order as many inspections as you need, it’s included in your annual assessment)!

*Rules in accordance with WSRB rating schedule

Article by: April LaRita Green

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