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Comment on can fire alarm system start a fire
May 17,2022
Comment on can fire alarm system start a fire from article on May 11, 2022
          In my experience the issue with control panels starting a fire has mainly come from installers putting programing and other information paperwork in the control panel itself. This is not only an incorrect practice but the paperwork can catch fire from heat sinks on the control panel circuit board or from other hot component parts.
    Jeffrey D. Zwirn, CPP, CFPS, CFE, SET, FASI&T, CHPA-IV, MBAT, NFPA 3000(PS), President; 2018 Recipient of the True Professional Award from the New Jersey Electronic Security Association (NJESA) At Their 2019 Annual Symposium; 2019 Recipient of the Outstanding Service Award from the New Jersey Electronic Security Association (NJESA) On Their Fiftieth Anniversary
IDS Research & Development,  Incorporated
Tenafly, New Jersey 07670
          Thanks for that insight; I didn’t see that one coming and I bet a lot of alarm company owners didn’t realize the risk of leaving paper inside the panel, and not just a fire alarm panel. 
          The original article considered whether the protective provisions in the Fire Alarm Contract [or any other alarm contract] should protect the alarm company from an error that actually causes the fire as opposed to failing to detect the fire as the system is designed to do. 
          Absent a specific statute prohibiting exculpatory or limitation of liability provisions the protective provisions in Fire All in One should be enforceable, even for the paper in the panel scenario.  I would not be surprised to see typical insurance claims people and their house or defense counsel entertaining paying a claim when the cause and origin is traced to the alarm equipment actually causing the fire.  While an alarm company’s first reaction may be that it’s the insurance company’s money so they can settle and pay if they want to, alarm companies will quickly learn that Loss Runs are maintained for all insureds by all insurance companies, and the insurance companies consider the Loss Runs when deciding whether to insure you and what premium you need to pay. 
          Once alarm E&O carriers start acting like casualty insurers paying claims for losses alleged to be caused by or contributed to by alarm companies, we will see significant increase in E&O premiums and good chance some carriers exiting from the alarm E&O market altogether.

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Ken Kirschenbaum,Esq
Kirschenbaum & Kirschenbaum PC
Attorneys at Law
200 Garden City Plaza
Garden City, NY 11530
516 747 6700 x 301