Factory Mutual Research Corporation. As it relates to roofing - a division of Factory Mutual System that tests and classifies roof components and systems for their resistance to fire, traffic, impact, weathering, and wind-uplift. The various organizations of Factory Mutual are owned or directed by Allendale Insurance, Arkwright, and Protection Mutual Insurance.

Factory Mutual Research Corporation. (commonly referred to as "FM") a research and testing organization that classifies roofing components and assemblies for their fire, traffic, impact (hail), weathering, and wind-uplift resistance for four major insurance companies in the United States.