Could you be denied an insurance claim based on your lack of a fire alarm system?
Another lawsuit results in the denial of a claim against an insurance provider by a restaurant owner. Mama K’s Diner suffered a fire and filed a claim with their insurance provider. The claim was denied due to the lack of a properly working fire alarm system.
The courts offered the following:
The insurance policy contained the following: “We will not pay for loss or damages caused by or resulting from fire if, prior to the fire you:..
(b). Failed to maintain any protective safeguard as designated at each premises by symbol in the Declarations and over which you have control, in complete working order..”
Mama K’s Diner vs. AMCO
When filing for an insurance discount, be sure to include what your system detects and what it lacks. If continued service or maintenance issues persist, be sure to notify your insurance agent of the issues and the alarm company’s response, or lack thereof. Failure to communicate code deficiencies or overstating the detection equipment installed could result in YOU paying for any losses.
Guard Tronic is UL Listed and FM Approved. We also have NICET III fire system designers on staff.
If you want the best alarm company, contact us!
Guard Tronic
Proven Property Protection Since 1959
(800) 542-7866
info@guardtronic.com