Insurance Requirement – No DIY alarms

Not all alarms are created, installed or monitored equally

Case in point from personal lines insurance agent whom we recently secured.

Safety and Loss Prevention Requirements Expand Central Station Fire Alarm System Mandatory Action · Contract with your professional alarm company to have the following low voltage hardwired and/or wireless fire detection components installed and tied into your existing central fire alarm system: o 1 additional monitored smoke detector to be installed in the office o 7 additional monitored heat sensors to be installed in the kitchen by family room, garage, all mechanical rooms and mechanical closets and crawlspace. · Forward an alarm certificate verifying that the system is being monitored to your agent/broker. · Forward a zone listing that shows the quantity, type (i.e., smoke detector or heat sensor), and room location of fire alarm components to your agent/broker. Additional Details Your current centrally monitored fire alarm system is missing components in one or more areas of the home. The lack of these components could delay detection of a fire in your home thereby endangering life and property.

Note: Chubb defines a professional alarm company as one that designs, installs, monitors, and maintains centrally monitored alarm systems. Neither a fire and/or burglar alarm system that is purchased online or commercially as a kit or individual components or the connecting of an existing line voltage (110v hardwired) fire detection system through a relay to the centrally monitored panel, meets these criteria. All equipment and central station monitoring must meet UL (Underwriters Laboratories) standards or another accepted industry standard and be installed per manufacturer’s specifications. The expansion of your central fire alarm system as outlined above is not intended to eliminate smoke detectors or heat sensors required by code. Consult with your professional alarm installer for any additional needs that may include bringing the alarm system up to local code, upgrading system components and/or adding additional components.

Thanks in advance,

Bruce Klineman​​


Insurance Advisor

111 Congressional Boulevard, Suite 100




Main: 317.846.5554

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