I saw Mr. Muncy's post on the bounces and found it odd that I can't get this to 
post to the forum. So I am replying to an existing thread and removing that 
info to see if it works. And yes I was sending it to 
[email protected] ?
Just FYI... 

This is a loaded question but I am only thinking in broad generic terms. Is 
anyone aware of a study - maybe ISO or FM or other that could offer insight 
into insurance premium reductions for a typical apartment complex? We are on a 
design build team and the path seems to lead to 13R with some separation walls 
so the area increases aren't needed. The architect asked me if I had a rough 
idea of the insurance difference for the owner if we did a full 13 vs. a 13R. 
The only thing that came to my brain was the 13D roughly 10% but didn't think 
that necessarily had any correlation. Thanks for any input.
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