On 6/16/2015 7:26 AM, Tom wrote:
You are absolutely right Rickman, it is so important today to understand
the complete contract between you and your insurance company, they spend
most efforts today looking for ways to get out of paying out and reward
their people when they do with bonus. I have had my insurance rep come
to the house 2 times already for advice. I have a wood stove and that
really has codes that have been changed.

Yes, we are dealing with the biggest growth of a government union base
and their ways and it is simply incredible. Not to mention bankrupting.

Thanks Gents, enjoyed every second of it.


It actually makes sense. Smoke detectors can cause a fire to be
detected earlier. The earlier the detection, the less damage and fewer
lives lost - which means the insurance company pays less.

You need to check your policy. Some insurance companies (at least used
to before smoke detectors were generally required) have a discount if
you have smoke detectors installed. But if you take advantage of the
discount, your insurance may be void if your smoke detector is not
installed or working properly (i.e. dead battery, out of date, etc.).

It's all Life Safety issues - and therefore tightly regulated, even in
the United States. Our government just doesn't (thankfully) go as far
as Ontario does.

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Jerry, AI0K

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