• COPE is an acronym for four property risk characteristics that an underwriter analyzes when evaluating a property insurance application: * Construction (eg frame, masonry, stone veneer, superior construction, mixed masonry/framing); * Occupancy, how the building is used for commercial real estate, and whether it is an occupied owner or tenant for homeowners, as well as the number of families for which the building is intended); * Protection (e.g., quality of incoming fire brigade, whether paid or voluntary, adequate water pressure and supply in the community, distance from facility to nearest fire station, quality of fire hydrant, and distance from building to nearest hydrant); and * Risks of exposure to damage associated with the adjacent property or adjacent area, taking into account what is adjacent to the property, such as an office building, division, or fireworks factory).