What impact do false fire alarms have on insurance companies?

help please! i'm doing it for a research paperWhat impact do false fire alarms have on insurance companies?
Hope some of these sites help -


http://www.thenetrisk.com/html/news/arch鈥?/a>


http://www.thenetrisk.com/html/news/arch鈥?/a>


http://www.usfa.dhs.gov/training/nfa/efo鈥?/a>What impact do false fire alarms have on insurance companies?
maybe email some insurance companies and ask them?
none
I would say none (see below). If it happens a lot a particular home, the city/county fire department has been known to charge the owner for this (after 2 false alarms, they may slap you with a fine). The insurance company is not likely to pay for it, and if by some miracle they did, your rates would go up. Most insurance companies charge rates based on their own experience in the area, or they may even use statistics compiled by a service. As a false alarm is likely not covered, and in fact nothing has happened, it should not affect the insurance company.





It is possible in some areas though. Some area fire departments charge a surcharge for responding to fires, and the insurance contract covers that up to $500. This is not all that common anymore, but it could affect rates maybe 1-2% in those areas, but that is being generous. The insurance company would have to prove it when they submit their rates to the state boards for approval.
None, unless the fire alarms set off automatic sprinklers, in which case the water damage causes claims.

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