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R403.3.2 Protection of Horizontal Insulation Below Ground
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Horizontal insulation placed less than 12 inches (305 mm) below the ground surface or that portion of horizontal insulation extending outward more than 24 inches (610 mm) from the foundation edge shall be protected against damage by use of a concrete slab or asphalt paving on the ground surface directly above the insulation or by cementitious board, plywood rated for below-ground use, or other approved materials placed below ground, directly above the top surface of the insulation.
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