June 2026

2. A lightweight plaster or concrete which is formulated to provide a coarse, pebbly surface with numerous voids
4. An item-by-item listing of a group of articles or properties
6. An object representing the materials, styling and techniques of an earlier time, enhanced in value by virtue of its age
8. A secure enclosure for the storage of valuables
9. The classification of materials according to their quality
11. The hazards to which an insurance policy responds, as well as the property insured and the amounts of insurance provided, as defined by the insurance policy and endorsements
13. The process by which a liquid or gas is drawn into a porous solid material
14. The decay of seasoned wood caused by a type of fungus
15. A person who ordinarily sells, places or negotiates insurance coverage with companies designated by the insured or with companies of his own choosing

1. A device for measuring the moisture content of various materials
3. An amount specified in an insurance policy which is automatically subtracted from any settlement following a loss
5. Abbr. for Heating, Ventilating, and Air Conditioning.
7. Usually the lowest story of a building, either partly or entirely below grade
10. A written communication directing a contractor, subcontractor or employee to perform certain work
11. The division of insurance coverage between two or more insurers
12. A flat board, band, or facing strip used by itself or in combination with moldings, generally at the outer face of a cornice or eave; sometimes called a gutterboard.