"Only a few evaluate their fire suppression when changing occupancies or storage commodities. One would think the insurance company would require it but it doesn't seem to matter much."
Newton,
Perhaps the "insurance company" had a "recommendation" to upgrade the sprinkler system. BUT the building owner made a business decision to pay more insurance premium OR just find another insurance carrier.
Also some insurance companies no longer have an engineering department to go out and look at what they insure. It is called cash flow underwriting, write a lot policies, and hope you bring in more then you pay out.
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Fire Sprinklers Save Firefighters’ Lives Too!