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Do you install fire alarm systems?

Chris Pearson
Bit of thread drift going on elsewhere, so I have started a new one.


"Do you install fire alarm systems?" - a question which is asked on insurance renewal, but what does it mean?


IMHO, there is a world of difference between providing a mains supply with third core for linking for a couple of smoke detectors and a heat detector in the kitchen on the one hand (i.e. the minimum grade D2 LD3); and a full on panel with separate detectors and sounder etc. (grade A LD2) in a large house. I consider myself perfectly capable of providing the former, but have never attempted the latter.


So where does the threshold lie? I'd be interested in views on certification too please.
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  • Former Community Member
    0 Former Community Member
    Quite some time ago I got involved in a situation where a claim was being made for the valuable contents of a house where the fire detection and alarm system that had been installed didn't work. The client's insurers had a clause that cover was only valid if the system worked. It obviously didn't so the installing contractor was invited for a meeting "without coffee". He wasn't too worried as he had declared to his insurer's that he undertook fire alarms. But, he hadn't read or if he had, he didn't understand his insurer's "get out clause" of efficacy. It was an expensive lesson.... He did try and pass it over to the equipment supplier but they could afford "better" lawyers and they had a nationwide reputation to look after.


    Check your insurance small print for not only scope of work but if there is an efficacy exclusion typically applied to fire alarm and burglar alarm systems.............


    I for one have had the definition of efficacy levelled at me, but not for work!!!!


    Regards


    BOD
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  • Former Community Member
    0 Former Community Member
    Quite some time ago I got involved in a situation where a claim was being made for the valuable contents of a house where the fire detection and alarm system that had been installed didn't work. The client's insurers had a clause that cover was only valid if the system worked. It obviously didn't so the installing contractor was invited for a meeting "without coffee". He wasn't too worried as he had declared to his insurer's that he undertook fire alarms. But, he hadn't read or if he had, he didn't understand his insurer's "get out clause" of efficacy. It was an expensive lesson.... He did try and pass it over to the equipment supplier but they could afford "better" lawyers and they had a nationwide reputation to look after.


    Check your insurance small print for not only scope of work but if there is an efficacy exclusion typically applied to fire alarm and burglar alarm systems.............


    I for one have had the definition of efficacy levelled at me, but not for work!!!!


    Regards


    BOD
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