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Washington Revised Code Title 48. Insurance § 48.19.540. Fire alarms and smoke detection devices--Impact on dwelling unit insurance rates--Report to legislature

Current as of January 01, 2025 | Updated by Findlaw Staff

(1) In making rates for the insurance coverage for dwelling units, insurers shall consider the benefits of fire alarms and smoke detection devices in their rate making. If the insurer determines a separate rate factor is valid, then an exhibit supporting these changes and any credits or discounts resulting from any such changes must be included in the initial filing supporting such change. An insurer need not file any exhibits or offer any related discounts if:

(a) No changes are made to the credits or discounts already in effect prior to July 28, 2019;

(b) It determines that there is no material anticipated change in losses due to the use of such equipment; or

(c) Any potential credit or discount is not actuarially supported.

(2) The commissioner shall report to the appropriate committees of the legislature on any credits or discounts provided on insurance premiums for fire alarms and smoke detection devices installed in dwelling units. By December 31, 2020, and in compliance with RCW 43.01.036, the commissioner must submit a report to the appropriate committees of the legislature that details the use of discounts prior to and after July 28, 2019, and the type of fire alarm or smoke detection device qualifying for a credit or discount.

(3) For the purposes of this section:

(a) “Dwelling unit” means a residential dwelling of any type, including a single-family residence, apartment, condominium, or cooperative unit.

(b) “Smoke detection device” or “smoke detection devices” means an assembly incorporating in one unit a device which detects visible or invisible particles of combustion, the control equipment, and the alarm-sounding device, operated from a power supply either in the unit or obtained at the point of installation.

(c) “Fire alarm” or “fire alarms” means any mechanical, electrical[,] or radio-controlled device that is designed to emit a sound or transmit a signal or message when activated or any such device that emits a sound and transmits a signal or message when activated because of smoke, heat[,] or fire.

(4) This section applies to rate filings for coverage for dwelling units filed on or after January 1, 2020.

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Cite this article: FindLaw.com - Washington Revised Code Title 48. Insurance § 48.19.540. Fire alarms and smoke detection devices--Impact on dwelling unit insurance rates--Report to legislature - last updated January 01, 2025 | https://codes.findlaw.com/wa/title-48-insurance/wa-rev-code-48-19-540/

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