Knowing whether a building is sprinklered is only part of the total risk picture. You also need to know if the sprinkler system can adequately protect the property and how it affects the building’s loss cost. Verisk’s Sprinkler Assessment Report provides an easy-to-understand engineering assessment of the effectiveness and loss reduction capabilities of a sprinkler system, at a glance. You get the insight you need for loss control, risk assessment, reinsurance, and maintaining a competitive edge.
The Sprinkler Assessment Report is an objective engineering review that gives you accurate estimates of the sprinkler system’s ability to contain fire spread for the specific hazards of occupants in the building. It’s a straightforward analysis that identifies whether sprinklers are effectively designed and maintained at a location. We grade the automated sprinkler system on a scale of 1 to 100 based on our SCOPES (Specific Commercial Property Evaluation Schedule) national engineering schedule, which uses National Fire Protection Association (NFPA) standards.
Type I and Type II Loss percentages depend on many factors, including:
- Construction materials of the building
- Combustibility of contents
- Susceptibility of contents (likelihood of damage from fire, smoke, and water)
- Private and public fire protection
For example, in a fire-resistive building with a fire division wall between each occupant, chances are the entire building wouldn’t burn if a fire broke out. In a building without adequate protection features, a single occurrence might cause a significant loss with a high probability that both the building and its occupants would experience extensive damage. Low-risk occupants, such as flower and pet shops, can experience severe losses even in small, quickly extinguished fires.