Damage to Fire Protective Systems

9/1/2020 (Permalink)

Damage to Fire Protective Systems

Property policies generally exclude the cost to repair any defect to an appliance or system through which water or other material flows. However, they do cover the cost to repair or replace damaged parts of a fire protective system if the damage results in a release of water, powder, foam, gas, or some other substance used to suppress fires. Policies also cover the cost of repairing or replacing parts of the system that are damaged by freezing.

For example, suppose that you own a warehouse that is protected by a sprinkler system. A sprinkler head becomes corroded and discharges water in your warehouse. The water causes damage to property stored in your warehouse. Your property policy should cover both the damage to your personal property and the cost to repair or replace the damaged sprinkler head.

https://www.thebalancesmb.com/damage-caused-by-water-leaks-462680

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