A sprinkler head in a closet on the second floor went off resulting in water damage to the first and second floor, as well as the basement. The exact cause of the sprinkler head going off is not able to be determined. It is believed that the heat in the closet may have been a factor.  The expert hired to determine the cause noted that the sprinkler heads in the house were approximately 30 years-old and were either corroded or leaking.

The final cost of this claim was $498,444. There is no subrogation potential against the manufacturer of the sprinkler system or the company who installed it as the House Corporation did not maintain any records regarding when the system was installed or when it was inspected.

A member was using a deep fryer in the kitchen to heat oil. The member walked away to another room, and the fryer caught the cabinet and microwave on fire. The fire damage was contained to the kitchen. However, there was smoke damage throughout the house.

A total of $47,972.09 was paid out for the claim.

A fire broke out in the attic of the chapter house from what they believe was some insulation that fell between the wall and flooring landing on some wires and ignited. The attic was not sprinklered and sustained all of the damage below. However, as the claims progress in the cleaning up and repairing of the attic space, the state building code regulations had to be addressed. The wing where the fire originated was built in the early 1900s, and they could not let the members back into that area until some of the original construction items were upgraded even though they were not affected by the fire (e.g. some of the members had to be moved to other facilities, the insured had to pay for additional meals as the kitchen could not be used).

The code compliance issues drove the cost of claim over $1,000,000.

This guide from Travelers, the insurance company for MJ Sorority clients, provides step by step instructions on how to develop a fire safety plan for your building.

The Indiana State Police have released a series of tips to help residents avoid carbon monoxide poisoning.  Carbon monoxide (CO₂) is an odorless, colorless and tasteless gas that does not cause irritation to the eyes or throat.  Often victims don’t realize they are inhaling toxic gas until they become ill.  More than 500 people die annually from carbon monoxide poisoning.

Symptoms of carbon monoxide exposure:

Safety measures to prevent exposure:

Excerpted from IndyStar.com

This article discusses results of a study conducted to understand college students’ views and knowledge of burn and fire safety.

The ways, whens and hows of installing an automatic sprinkler system in your chapter house

An automatic sprinkler system is the single most effective way to protect the women who live in your chapter house — and the house itself. This guide walks house corporation volunteers through the whole project, from choosing the right system to keeping it working for years to come.

As a chapter house owner, you have a duty to provide a safe place to live. Fires in sorority houses are rare, and that’s exactly why it’s easy to confuse good luck with good practice. When a fire does happen, it moves fast, and the consequences — for members, families and the chapter — can last forever.

College students are a uniquely high-risk group. Many are living on their own for the first time, have never experienced a fire, and still think “stop, drop and roll” is the plan. Add in late nights, unfamiliar buildings and the social side of campus life, and good protection matters even more.

Fire safety in student housing rests on four elements, easy to remember as PODS — fitting, since the goal is a protected place to live.

Fire safety isn’t just about where members live. It’s something they take with them, wherever they go.

Sprinklers work automatically, right above the fire, the moment it starts — long before a fire department can arrive. According to NFPA’s latest U.S. Experience with Sprinklers report (2017–2021 data), the civilian death rate in home fires was 89% lower when sprinklers were present.

A sprinkler system uses the same water supply that already feeds your sinks and showers. Each sprinkler head is a closed nozzle held shut by a small glass bulb or metal link. When hot gases from a fire reach the ceiling and heat that element to roughly 165°F, it breaks, and that one head sprays water on the fire.

Only the heads near the fire go off. Each sprinkler reacts on its own, so a fire in one room doesn’t set off every head in the house. In most fires, one sprinkler is enough to control it. The water quickly cools the hot gases, which keeps nearby heads closed and prevents flashover — the point when a whole room ignites.

Sprinklers use far less water than a fire hose. A single sprinkler flows roughly 18–40 gallons per minute. A fire hose flows roughly 175–400. Less water means less damage.

Today’s sprinklers are hard to spot. Flush, recessed, concealed and sidewall styles are available, and modern residential heads can cover up to 20 x 20 feet — fewer heads, less impact on the look of your house.

The National Fire Protection Association (NFPA) publishes three sprinkler design standards. For most chapter houses, NFPA 13R is the right fit — and the most economical.

Ask that your system be designed to the least costly standard that applies, which will usually be NFPA 13R. If you’re told it can’t be used, ask why — and call your MJ Sorority team. Some municipalities aren’t current on residential codes and may push for a more expensive NFPA 13 system unnecessarily. For more on how 13R differs from NFPA 13 and how it affects your insurance credit, see What is NFPA 13R?

If you have areas at risk of freezing, such as an attic, extra insulation around the pipes is usually a better solution than a dry system. Antifreeze systems are not recommended.

Requirements come from several directions, and they’re growing. NFPA sets the national standards, but states, cities and universities increasingly add their own sprinkler mandates for Greek housing, including off-campus houses. Many national organizations now require them, too.

New construction almost always requires sprinklers. Adding a system to an existing house — called a retrofit — is often required later, and it costs more than building it in from the start.

Stay informed about what your community is considering, and get involved early. You know your property and how it’s used, so you’re in the best position to help shape a reasonable ordinance.

A note on “substantial change”: some municipalities treat a sprinkler retrofit as a major renovation that triggers every building code adopted since the house was built. If that happens, contact your MJ Sorority team before agreeing to scope.

Every house is different, so there’s no reliable rule-of-thumb price. Your best estimate will come from site visits and competing bids. Here’s what drives the number.

Water supply is the biggest unknown. For sprinklers to work, the pipe from the public water main has to deliver enough pressure. If yours is too small, it will need to be replaced with a larger line — and you’ll pay for excavation, tapping, landscaping, materials and labor. Contractors often say price varies little inside the four walls; it’s the connection outside that’s hard to predict.

Local fees add up. Expect some combination of impact, connection, permit, plan review, inspection and stand-by water fees. Many jurisdictions also require a backflow preventer to protect the public water supply. Sprinklers reduce a city’s firefighting costs, so it’s worth asking local officials to reduce or waive these fees.

The most successful installs are the ones where the house corporation put in the time up front. Here’s the path from first call to final walk-through.

Hazard analysis, site survey, design and hydraulic calculations, product selection, installation, alarm monitoring, testing and commissioning, and ongoing inspection and maintenance. If your city requires an engineer to review the plans, write that into the request for proposal so it’s the contractor’s responsibility.

Ask every contractor for a certificate of insurance showing at least:

Confirm the contractor is licensed for this work in your state, too.

Once your system is complete, your contractor will give you a certificate of completion. Send a copy to your MJ Sorority team, and we’ll request the sprinkler credit from your insurance company.

To qualify, the house must be 100% sprinklered and meet the applicable NFPA standard — usually NFPA 13R.

Attics are the biggest gap we see in sprinklered chapter houses. Of six property fires with more than $100,000 in claim costs, four started in an attic that had no sprinklers and no fire detection. A fire can burn unnoticed up there until it breaks through to the floor below — and by the time the fire department arrives, far more water is needed to put it out.

If your attic is reachable by stairs or a ladder and used for storage, it must be sprinklered under NFPA 13R. One client skipped a ladder-accessed storage attic to save money; a ceiling fan shorted out, the fire took the roof, and the loss became nearly total. Be honest with your contractor about how every space is used.

If your attic isn’t sprinklered, add a heat sensor. Tied into your existing fire alarm system, an attic heat sensor alerts the fire department much sooner, which means less damage and a safer house. A few reminders from our heat sensor recommendations:

Even as a tenant, you share responsibility for your members’ safety. Review your lease so you know what the landlord is responsible for, and call your MJ Sorority account executive with questions about your liability or insurance obligations.

If the house isn’t sprinklered, write to the landlord and ask about plans to install a system. If there are plans, follow up periodically. If there aren’t, make the case for sprinklers and document your request. In the meantime, keep strong house rules in place — no candles, incense, halogen lamps or other ignition sources. Your efforts matter, both for safety and as part of your organization’s good-faith risk management.

“If one goes off, they all go off.” Not true. Each head reacts to heat on its own. Usually just one operates.

“Sprinklers go off by accident.” Rarely. When they do discharge without a fire, the cause is almost always physical damage, freezing or misuse, not a defect.

“The water damage is worse than the fire.” A sprinkler uses a fraction of the water a fire hose does, and it acts before the fire spreads.

“Smoke alarms are enough.” Alarms warn people; they don’t stop a fire. Battery alarms in student housing are also easy to disable or forget.

“Sprinklers will ruin the look of our house.” Modern heads can be flush or concealed behind a small plain cover. When did you last notice one in a hotel?

“Our house is brick, so it’s fireproof.” What burns is mostly contents — furniture, bedding, clothing. Smoke and toxic gases are the real killers, and they can fill a house long before the structure catches.

“Pipes will freeze in cold climates.” If the house stays heated, sprinkler pipes are no more likely to freeze than your regular plumbing.

“It’s just too expensive.” NFPA 13R, plastic pipe and modern concealment options have brought costs down, and a sprinklered house earns an insurance credit. A protected house is also a selling point for members and their families.

This resource from Travelers, the insurance company for MJ Sorority clients, provides an overview of how sprinkler systems operate and the advantages of providing earthquake protection for them. Includes a list of protection features for sprinkler systems provides the basics.

Year end 2017, the MJ Sorority Department was very pleased to see that we now have seventy-eight percent (78%) of our chapter houses under the additional protection of a fire suppression system. The leadership of the women’s fraternities and sororities are to be complemented on this attention to safety for their members and the preservation and protection of their property.

The goal of having a fire sprinkler system is twofold:

Those chapter houses that are sprinklered were generally following the NFPA Code 13R, which required sprinklers except in the attic space. There was the assumption that there would be limited access to the attic space and the attic would be clear of storage and of any other use.  The cost advantages of the NFPA 13R code over the prior code of NFPA 13 are substantial, ranging roughly 40-60 percent less.  This is due to several reasons:

A trend has emerged with more fires occurring in the attic which has caused the property insurance underwriter some concern. Since there are no sprinklers in the attic, a fire that begins in the attic burns for a period of time undiscovered. It is only when the roofing is burned through and/or burns through the ceiling of the floor below that the building fire is detected. Valuable time has been lost where the fire department has not been notified as the sprinkler system goes off only after the fire burns through another area beyond the original origin site.

The fire results in more dollars loss per fire, it is harder to detect, it becomes larger in size and causes more widespread flame damage. Water damage also affects the dollar loss per fire since the fire is attached at the highest level by the fire department, affecting all of the floors below as opposed to a fire that is attacked on lower floors only.

We have considered how to address this exposure from a risk management stand point and offer up the two recommendations (applies to both sprinklered and non-sprinklered buildings):

Tattletale is a portable alarm company that distributes important fire safety tools. Tattletale is also a business partner with Travelers Insurance, the property and liability insurance company for MJ Sorority clients, which enables MJ Sorority clients to have access to preferred pricing.  These units are hooked up to the existing fire alarm system and are very reasonably priced.

Of our top four largest claims, three of the four started in an attic and the floors below were indeed sprinklered. As you can imagine when a fire occurs, the liability insurance company underwriter is very pleased that there has been no fatalities; however, the property insurance underwriter is less pleased because with an undetected attic fire, the cost of the ultimate loss is direct damage and loss of use claims are far more substantial than what they would have been if the attic had been sprinklered.

We urge you to review your system and if the attic is not sprinklered, make arrangements to get the rate to rise detectors/sensors installed.

As a property owner, the safety of your resident members is one of your biggest responsibilities, and we believe that these additional risk management recommendations will help you control your risks.