Home fire sprinklers: we’ve got you covered

A recent media report profiled a Canadian couple and their insurance experience with a home fire sprinkler pipe that froze and burst, causing extensive damage to their townhouse. Although fire sprinklers have been a common sight in condos, shops, schools and offices for decades, residential fire sprinklers are relatively new and there are bound to be questions like those raised in the article.

First and foremost, water damage caused by fire sprinkler systems that have ruptured as a result of freezing is covered under your Co-operators home policy. Don’t shut off the water supply and drain pipes leading to your sprinkler system if you’re going to be away for an extended period.

Learn more about maintenance and Living with Sprinklers

Fire sprinklers help protect lives, reduce injuries and minimize the severity of property damage, and they need to be operational at all times – whether you’re home or not.

Plus, the long-term benefits far outweigh any potential mishaps:

  • The National Fire Protection Association (NFPA) reports there is an 80% reduction in both fire-related deaths and injuries when sprinklers are present.
  • Today’s “modern” home contents burn hotter, faster and are more toxic; this combination leads to fatal conditions within two minutes of a smoke detector sounding.
  • Damage is 71% less when sprinklers are in use, compared to an equivalent unit with no sprinkler.
  • Fire sprinklers help protect the environment by reducing fire and water damage.
  • There’s never been a fatality in a home that has properly installed and functioning fire sprinklers.

The Co-operators is an advocate of fire safety and a leading proponent of the mandatory installation of fire sprinklers in new residential home construction. We work closely with organizations like the National Fire Protection Association (NFPA) and the Home Fire Sprinkler Coalition (HFSC). We’ve also hosted live side-by-side burn demonstrations to show the effectiveness of home sprinklers.

If you’re already living in a home with fire sprinklers, speak with your advisor; you may be eligible for a discount. To learn more about home fire sprinklers and if they’re right for your home, visit our website for more information.