Commonly refers to a company name in a business not incorporated. The owner files a certificate of fictitious name. For example: Joe Smith (real name); Joe’s Garage, (fictitious name). Also called a D.B.A. (doing business as).

Insurance covering an employer for loss caused by dishonest acts of specific employees.

One acting in a relationship of trust, regarding financial transactions.

A series of tiles placed at the base of the superstructure to retard seepage of ground waters through the foundation. See also: Disposal Field.

(1) To supply an area with additional material (fill) to raise or obtain a uniform grade level. (2) The materials used for fill such as dirt, gravel, etc.

A decree completely deciding all pending matters before a court, and obviating the need for further litigation.

A general term encompassing companies dealing in finance, such as banks, savings and loan associations, insurance companies, and similar companies.

An accounting statement showing assets and liabilities of a person or company. Used generally for large loans or other instances when the credit report (history of payment of debts) in itself is not sufficient.

The cost of interest and other charges involved in borrowing money to build or purchase real estate.

A recorded instrument, taking the place of personal property liens in some states. Used instead of chattel mortgages, inventory liens, pledges, etc.

A fee paid to someone who finds a buyer or property for a broker, buyer, etc. The term is sometimes used to attempt to pay a commission to an unlicensed person. Generally, a finder’s fee is considered a commission and may only be paid to one who holds a real estate license.

The flooring over the subfloor, usually of hardwood, tile, or other finish on which one may walk. In some modern construction where carpeting is installed by the builder, plywood is used as a finish floor.

See: Hardware.

Insurance against loss or damage by fire to specific property. May also include other coverage.

See: Igneous Rock.

See: Sprinkler System.

A means of preventing fire or smoke from traveling through a structure by filling concealed air spaces with fire-resistive materials.

A wall to divide parts of a building, and prevent the spread of fire. Should rise from basement level to a minimum of three feet above roof level, and all openings through the wall should be protected by fireproof doors.

Able to withstand specified temperatures for a certain time, such as a one hour wall. Not fireproof.

See: Chimney Back.

A brick specially made of clay which can be exposed to extremely high temperatures without damage. Used in furnaces, fireplaces, and similar high temperature areas.