A client had frozen sprinkler pipes in his building. They are above the ceiling so no other pipes in the building froze. It is questionable at this point as to whether or not heat was maintained in the building. The Frozen Plumbing Exclusion states:

"Water, other liquids, power or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective equipment) caused by or resulting from freezing, unless: 1. You do your best to maintain heat in the building or structure; or 2. You drain the equipment and shut off the supply if the heat is not maintained."

This seems to separate fire protective equipment from this exclusion therefore allowing coverage. Am I wrong on this?

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