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/le <br />Ham e <br />`.6y X / 200100 X00 <br />a. r- 2 <br />3.2o re tod /axed <br />1 /y X /,5 Iii <br />-41 no an q'1t# eee4 <br />U 0110 (0 4 A C,4 -z _.- I 1%-le- F 1 r ' 8 2 <br />on, however, insurance rate reduc- <br />ons will probably not provide the <br />tme stimulus for this reason: <br />In most compartmented, ligh <br />azard, residential, office and insti <br />ttional occupancies, the fire loss <br />cord - from a property insurance <br />andpoint - is quite good. As a re- <br />in, fire insurance premium rates <br />'e set at reasonably low levels. Fur - <br />er reductions, if granted, would <br />tt, in most cases, generate suffi- <br />ent dollar savings to provide more <br />an token partial repayment of <br />rinkler system costs. <br />.operty protection systems <br />Historically, automatic fire <br />'rinklers have been installed in <br />tildings to provide protection to <br />e structure and its combustible <br />ntents. The requirements govern - <br />g systems design, installation and <br />aintenance in building codes and <br />sndards reflect this concern for <br />operty protection. <br />Standards detail installation re- <br />irements, provide pipe schedule <br />sign parameters for specific <br />aupings of hazardous occupan- <br />s, and in general, seek to mini - <br />ze engineering input through <br />tndardization. This approach, cou- <br />ed with insurance rate credits, has <br />succeeded in securing improved fire <br />protection for large segments of the <br />industrial, mercantile and storage <br />occupancy classifications through, <br />out the United States. Safetv.to.ltfe <br />protection afforded by sprinklered <br />occupancies, although recognized as <br />an added benefit, has never been ful• <br />ly exploited. <br />Unfortunately, until early in the <br />1970's, sprinkler systems' require. <br />ments ments were predicated almost en. <br />tirely on the need to protect relative- <br />ly large undivided industrial and <br />commercial properties. Design cri. <br />teria assume the operation of many <br />sprinklers. Large diameter piping is <br />needed to handle the anticipated <br />water demand. Water storage and <br />delivery are major design and cost <br />factors. For relatively small proper. <br />ties, especially in locales lacking <br />strong public water supplies, such <br />sprinkler systems generally prove <br />cost - prohibitive. This is not the case <br />with engineered copper systems. <br />Automatic sprinkler systems <br />According to the Fire Protection <br />Handbook, 14th Edition, published <br />by the National Fire Protection As- <br />sociation, "Automatic sprinklers <br />properly installed and maintained, <br />are the most effective of any of the <br />various safeguards against loss of <br />life by fire. Their value is psycholog- <br />ical as well as physical in that They <br />Insurance Rate Comparisons - Sprinklered vs. Unsprinklered Risks <br />,...c4, p <br />Office Building <br />Office Building <br />Office Building <br />* Motel <br />* Motel <br />- * Motel <br />Nursing Home <br />Nursing Home <br />Nursing Home <br />Apartment <br />`' Co_nstxuctton *g+ x <br />YPG " y S <br />: <br />Unprotected Wood Frame <br />Unprotected Ordinary <br />Unprotected Non.combustible <br />Unprotected Wood Frame <br />Unprotected Ordinary <br />Unprotected Non-combustible <br />Protected Wood Frame <br />Protected Ordinary <br />Protected Noncombustible <br />Protected Wood Frame <br />Ntonter ak :C nk e7 <br />�eS <br />list U"piths "i "` <br />t <br />2 <br />2 <br />2 <br />2 <br />2 <br />2 <br />1 <br />1 <br />1 <br />3 <br />.249 <br />.124 <br />.072 <br />.690 <br />.301 <br />.121 <br />.300 <br />.150 <br />.023 <br />.399 <br />.286 <br />.162 <br />.113 <br />.778 <br />.354 <br />.187 <br />.345 <br />.195 <br />.027 <br />.209 <br />.450 <br />200 <br />.080 <br />.960 <br />.390 <br />.134 <br />not permitted <br />not pen-Hued <br />025 <br />1,410 <br />.450 <br />.400 <br />.126 <br />.900 <br />780 <br />208 <br />t <br />Y <br />.030 <br />.232 * *__ <br />Apartment <br />Unprotected Ordinary <br />3 <br />.185 <br />.126 <br />.720 <br />.140 * * <br />1 Apartment <br />Unprotected Noncombustible <br />3 <br />.133 <br />.109 <br />.188 <br />.121 * * <br />School <br />Unprotected Ordinary <br />1 <br />.163 <br />.212 <br />.230 <br />.350 <br />School <br />Unprotected Non- combustible <br />1 <br />.090 <br />.126 <br />.100 <br />.140 <br />School <br />Fire Resistive <br />1 <br />.027 <br />.063 <br />.030 <br />.070 <br />NOTE: The above table reflects typical rates for a Class 5 city located in the Northeastern United States for 1980. Actual rates for a given <br />building in a given location will vary from those cited. <br />' Construction Types are those presented in the National Fire Protection Association Standard No. 220. <br />1 Rates shown are in dollars per one hundred dollars of insurance coverage. <br />The NFPA Life Safety Code 1976 does not permit unsprinklered nursing homes of these construction types. <br />* 31.50 Units <br />• 4 30 Units <br />* * Contents: Landlords' Furnishings <br />* Multistory - No•combustible, 31.50 Units. <br />• <br />