Author: Donna Settle
Fire sprinkler systems are an essential life safety feature in assisted living and senior living communities, but the level of protection they provide can vary significantly depending on whether they're designed under NFPA 13, 13R or 13D standards. These differences affect how fires spread, how well damage is contained and how insurers assess risk.
As the insurance market becomes more selective, underwriters are looking beyond whether a property is simply sprinklered and are instead evaluating the quality, completeness and reliability of the system.
At the same time, regulators and capital providers are placing greater importance on resilience, operational continuity and protecting vulnerable residents. Sprinkler-system decisions can therefore have a major impact on underwriting results, capital planning and the long-term cost of risk in the senior living sector.
Read our fire sprinkler systems whitepaper to learn more
Our latest whitepaper examines how sprinkler-system decisions are made in practice, where gaps commonly occur and how those decisions are influencing insurance outcomes.
