From an insurance point of view on new system sprinkler systems I recommend
to the client to install schedule 40 pipe for anything less then 2.5 ". We
provide sprinkler leakage coverage and depending on the amount of water
damage can pay claims. The pharma and electronics industries do not take
much damage to get past any deductible. Also I have a concern for MIC and
want the client to have a system that will not be out of service for
repairs. Sometimes the contractors will question the requirement. I tell the
client my views and let them decide if they think the increased cost is
warranted. Based on my experience about 75% spend the extra $$ for schedule
40 pipe.
In a warehouse application we pay close attention to the adequacy of the
sprinkler system. If it is not adequate the client will pay more $$ for
insurance or perhaps we will not insure them. However, in the insurance
world this can vary from one carrier to another. You always have an
underwriter who plays the odds and is willing to write the coverage where we
may not.
Regards
Tom in NJ
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