PLS-2026-378060

312 Murphy Road is a single-story, steel-frame, concrete-block masonry building built in 1970, with a flat tar-and-gravel roof on a concrete foundation. The Hartford assessor records 93,153 sq ft of gross building area (91,460 sq ft finished) and a 'MULT-RET' multi-retail building type, consistent with a multi-unit building. Connecticut Lighting Centers occupies it (consolidated here in 2022) as a lighting showroom, the Restoration Lighting Gallery, and warehouse/distribution under one roof. The marketing-cited ~50,000 / ~18,900 sq ft showroom figures refer only to CT Lighting's own occupied footprint, not the whole building.

The ISO construction class is a DERIVATION from the assessor components, not a stated public-record field: a steel frame with concrete-block masonry walls and a non-combustible roof deck points to ISO Class 4 — Masonry Non-Combustible. The structure itself is therefore fire-resistant; the real exposure is the combustible contents (see Description of Operations). Confirm the construction class and sprinkler design on the physical survey.

The property occupies a 5.95-acre ID-1 (light-industrial) parcel in Hartford's South Meadows / Industrial Park corridor, an established warehouse-distribution-manufacturing district with direct access to I-91, I-84, and Brainard Airport. Flood is confirmed against the FEMA National Flood Hazard Layer: the parcel is in Zone X — an area of REDUCED flood risk due to a levee — and is NOT in the 100-year Special Flood Hazard Area (SFHA = False; panel 09003C), so mandatory NFIP flood-insurance purchase does not apply.

Because the reduced flood rating depends on a levee, note residual levee-failure exposure; optional flood coverage may still be prudent given the high-value warehouse inventory. Percent-sprinklered and the ISO construction-class confirmation are NOT in the supplied data and are open survey items: confirm sprinkler design/coverage across the showroom and high-piled warehouse, commodity classification and storage height, and the restoration shop's hot-work and flammable-liquid controls. Confirm the ISO construction class (Class 4 MNC by derivation) on the physical survey.

Fire originating in the warehouse/showroom across high-piled combustible fixture and packaging inventory in a single-story, 93,153 sq ft masonry non-combustible building, with the Restoration Lighting Gallery as a hot-work/solvent ignition source. Flood is NOT a primary peril — FEMA Zone X (levee-reduced), outside the SFHA — though residual levee-failure exposure exists. Sprinkler coverage and storage configuration are open items pending survey.

The building operates as Connecticut Lighting Centers' consolidated Hartford location: a retail lighting showroom, the Restoration Lighting Gallery (antique/vintage fixture restoration), and warehouse/distribution under one roof. CT Lighting is the occupant/tenant; the building is owned by 280-320 Murphy Road LLC.

The dominant peril is fire, driven by the combustible contents rather than the masonry non-combustible shell: high-piled light-fixture and packaging inventory across the showroom and warehouse, plus the Restoration Lighting Gallery, which may involve soldering/rewiring, small-tool hot work, and solvents. Confirm sprinkler coverage and design density across BOTH the showroom and the high-piled warehouse, commodity classification and storage height of the stored fixtures/packaging, and the restoration shop's hot-work permit program and flammable-liquid storage on survey.

A single primary value subject is present: the Connecticut Lighting Centers building (93,153 sq ft gross). Whole-parcel assessor figures are $2,194,360 assessed / $3,134,800 appraised (2021 revaluation), with a last arm's-length sale of $2,250,000 in February 1999. Building, BPP, and Business Income insured values, and the Commercial Express valuation, are carrier-supplied and pending. De-confliction: the widely-cited $2.75M March-2024 sale (18,920 sq ft, D&C Family LLC → Capital Enterprise of Orange County Inc.) refers to CT Lighting's FORMER HQ at 160 Brainard Road — a different parcel — and must NOT be attributed to 312 Murphy Road.

Loss analysis is pending the carrier loss-run. On receipt, this section will summarize notable loss insights or trends (positive or negative), loss details and underlying cause(s), and corrective actions taken or still needed. No loss history is included in the supplied property profile.