PURE High Net Worth Insurance

Home : Claims & Risk Management : Risk Management Insight

Best Practices for Active Alarm Systems


May 9, 2008

By Frank Di Grande, Senior Property Claims Analyst

A call came in from our member late in the afternoon a few weeks ago. She explained that she had a burglary earlier in the day.  Oddly, she was calm over the phone.  Maybe it was because, coincidently, her PURE agent was at the house offering advice.   As she explained the circumstances, I was relieved to find out that no one was home. She had left her house as she does each week day morning to take her children to school. She set the alarm on the way out.  She was out for about an hour when she was notified that her burglar alarm had gone off - someone had broken through the back window.  Luckily, not much was taken from her home.  More importantly, we discussed how the claim could be prevented in the future. 

Installing burglar and fire alarm systems are extremely common practices to keep our families safe.  People have the choice of a local system (one that is not monitored by an alarm company) or an active system.  When an active alarm system is tripped, a code used by the homeowner verifies for the monitoring company that he/she is not in danger.  In the event that the alarm company does not reach the homeowner to verify the code, they will most likely call another person on a list the homeowner provided to the monitoring company.  This action, although completely normal wastes valuable time in the event there was an actual emergency.  Instead of having the alarm company call one of the many names on a list until they find someone, you can protect your residence and save valuable time by having the monitoring company call the police department directly.     

Send Comments

Search Risk Management Insight

Keywords:

Topic: