When Mrs. CTL designed a house last year for a local client, the client wanted a sprinkler system. The local building codes don’t require them, but do require hardwired smoke and CO alarms.
She and the client ran the plans by the Underwriter for insurance (carrier the customer uses is a top notch name brand). Underwriter came back with quotes that were higher if a sprinkler system was installed than without. Here in New England, winter storms can and do bring power outages and frozen pipes. The exposure for internal damage from ceiling level sprinkler pipes raises the rates.
Our local Fire Marshal expressed his view that in small towns such as ours where so many have wells and not city water, the pressure would not be sufficient to put out a blaze before the fire company would respond with a pumper.
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