Non-Compliance with NFPA 14 & 25 Can Cost Lives — and Void Your Insurance
Our research documents 31 incidents where regular NFPA 25 standpipe flow testing and hydrant inspections could have prevented catastrophic failures. Courts consistently rule in favor of insurers when property owners breach protective safeguards — meaning untested fire systems don't just endanger lives, they can void your coverage entirely.
Fire System Failures
Documented incidents where standpipe, hydrant, and water supply failures contributed to loss of life and property damage — with insurance implications and financial impact.
Preventability
Failure Types
"Commercial insurers use CP 04 11 to deny fire claims outright if fire protection systems are not maintained in complete working order."
Under the standard ISO CP 04 11 endorsement, maintaining fire protection systems is a strict condition of coverage. If a fire occurs and the system was impaired or unmaintained, the insurer can deny the entire claim — even if the impairment did not cause the fire.
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31 of these 37 failures were preventable with routine NFPA 14 & 25 testing. Schedule your standpipe flow test or hydrant inspection before it counts.
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