Hopefully not !! , 

Your insurance rates are calculated on a properly installed and maintained 
sprinkler system. My question is: Where was the local fire department when this 
building had it's annual inspection, and did the FPC notify the AHJ that the 
system had failed, as required by most fire codes? 

 Accidents are a chain of failures, if all this is true, there is a lot of 
shared blame between all the parties involved. 

If the insurance company did pay on this claim, I'd bet it was just a few cents 
on the dollar.



















My opinion only......

Capt. Frank J. Herrick
City of Leawood Fire Department
(Phone)  913-681-6788 x 26
(Fax).     913-681- 2399


On Nov 21, 2012, at 9:24, Bill Shipman <[email protected]> wrote:

> A client posed an interesting question.
> (1) Assume that your sprinklers were required by code.
> (2) Your Insurance rate was based upon being fully sprinklered.
> (3) Your system hadn't been inspected or properly maintained in several years.
> (4) You have a fire and the building & contents are a total loss.
> 
> Would your insurance pay?
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