Definition of Girders

Girders

Crossbeams that support floor joists.

Truss

A prefabricated framework of girders, struts and other items used to support a roof or other load-bearing elements.

Balloon Framed Wall

Framed walls (generally over 10' tall) that run the entire vertical length from the floor sill plate to the roof. This is done to eliminate the need for a gable end truss.

Collar Beam

A horizontal tie beam in a roof truss that connects two opposite rafters at a level considerably above the wall plate.

Fascia

Horizontal boards attached to rafter/truss ends at the eaves and along gables. Roof drain gutters are attached to the fascia.

Framer

The carpenter contractor that installs the lumber and erects the frame, flooring system, interior walls, backing, trusses, rafters, decking, installs all beams, stairs, soffits and all work related to the wood structure of the home. The framer builds the home according to the blueprints and must comply with local building codes and regulations.

Creditor Proof Protection

The creditor proof status of such things as life insurance, non-registered life insurance investments, life insurance RRSPs and life insurance RRIFs make these attractive products for high net worth individuals, professionals and business owners who may have creditor concerns. Under most circumstances the creditor proof rules of the different provincial insurance acts take priority over the federal bankruptcy rules.
The provincial insurance acts protect life insurance products which have a family class beneficiary. Family class beneficiaries include the spouse, parent, child or grandchild of the life insured, except in Quebec, where creditor protection rules apply to spouse, ascendants and descendants of the insured. Investments sold by other financial institutions do not offer the same security should the holder go bankrupt. There are also circumstances under which the creditor proof protections do not hold for life insurance products. Federal bankruptcy law disallows the protection for any transfers made within one year of bankruptcy. In addition, should it be found that a person shifted money to an insurance company fund in bad faith for the specific purpose of avoiding creditors, these funds will not be creditor proof.

Built-Up Roof

A roofing composed of three to five layers of asphalt felt laminated with coal tar, pitch, or asphalt. The top is finished with crushed slag or gravel. Generally used on flat or low-pitched roofs.

Gable Roof

A roof that consists of two sloping planes that meet at the ridge or peak. The planes are supported at their ends by triangular, upward extensions of walls known as gables.

Hip Roof

A pitched roof with sloping sides.

aterial used to cover the interior framed areas of walls and ceilings

Load-Bearing Point

A point where a bearing or structural weight is concentrated and transferred to the foundation.

Load-Bearing Wall

Includes all exterior walls and any interior wall that is aligned above a support beam or girder. Normally, any wall that has a double horizontal top plate.

Metal Insulation Support

16" or 24" wire rod or crisscrossed wire to hold floor insulation in place.

Nonbearing Wall

A wall supporting no load other than its own weight.

Roof Valley

The "V" created where two sloping roofs meet.

Roof Vent

A louver or small dome mounted near the ridge of the roof to allow the passage of air through the attic.

Shed Roof

A roof that pitches up further on one side than the other. Shed roofs are also used over some porches.

Subfloor

The structural material that spans across floor joists. It serves as a working platform during construction and provides a base for the finish floor.

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