Smart Fire Protection Systems and Home Insurance

May 19, 2021 | Personal Insurance

Safety First

Fire safety is essential in all buildings, especially hospitals and other healthcare facilities. This makes it even more critical that facility managers center their smart fire protection system’s strategies on maintaining existing technologies. And identify where system upgrades are in need. These kinds of methods can help lower nuisance alarms. And offer correct information to occupants when future incidents occur. This article will discuss smart fire protection systems and how you can save on premiums by installing them.

Complimentary Safety Devices

Numerous complimentary intelligent devices could help prevent and/or detect a fire in your home. At the same time, this will lessen the severe damage a fire can cause by notifying you earlier. Traditional smoke detectors can still alert people inside the home in case of a fire. So everyone can leave the premises early. But here are some of the following smart devices that can also provide alerts to you on your mobile device. And to the fire department, even if you are a thousand miles away from your home.

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Smart Smoke Detector

Smart smoke detectors provide alarm notifications and can be connected to home security systems to alert you and the fire department of an alarm in your home. They can shut down air handling systems and offer directions about what to do in a fire. They can also send an alert to your smartphone when the battery charge level is already getting low. Some models also have carbon monoxide(CO) detection capabilities. Heat detectors can also help detect a fire if you have frequent false alarms with smoke detectors.

They are not to replace smoke detectors in bedrooms or other places where a fire life safety device is in need. Interconnect many of these systems, so if a sensor turns on in one of the locations of your property, all of the alarms will also sound.

Smart Batteries

Consider a smart battery as an alternative to a new AI-powered smart smoke, heat, or CO detector. Such battery types can power your existing detectors and offer you alarm notifications on your smartphone. You can monitor more than one of these in your home. You can also receive a message to change the battery before it starts to chirp.

Kitchen Smart Fire Protection System

The National Fire Prevention Association said cooking fires are the main reason for home structure fires. Meanwhile, kitchen fires are the leading cause of unattended cooking. There are already devices using motion-sensing technology specifically for automatically shutting off the stove. If this detects that you have left something in the kitchen, it starts a countdown to turn off the stove. Then, when you return to check on the stove, it automatically restarts the countdown.

Smart Plugs or Outlets

Smart plugs or outlets are an excellent addition to your smart fire protection system. They can also give you peace of mind if you forget to unplug the coffee pot or the iron before you leave home. You can turn the lights and small appliances on and off using an app on your smartphone. Some models can automatically turn off power to your devices when they shouldn’t be in use.

Of course, you should call a professional to install these smart devices properly.

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Smart Alarms and Fire Protection System for Smart Home

There are four different kinds of aspects that smart homes hope to automate. These are communication, electricity control, security, and housekeeping. This is why AI-assisted homes generally utilize and integrate communication, electricity control, security, fire safety, video surveillance, and others.

Essential Elements of a Smart Home

Two essential elements in a smart home are a well-designed smart alarm system and, of course, a smart fire protection system. For buyers looking for alarm systems and fire safety systems that are for smart homes, we recommend the following:

  • Panic buttons
  • Centralized monitoring station
  • Detailed event display and logging
  • Automated notifications
  • Integration with other home appliances

Smart home security systems use communication, sensors, automation, and other technologies to fuse into a single system HVAC (heating, ventilation, and air conditioning), home appliance control, indoor security and safety, and home management. Panic buttons are fast and simple ways to call for help in emergencies and should be at your bedside or other easy-to-reach places.

Automated Alert and SOS Request

If someone intrudes in your area, you can detect this by installing various sensors around the home. Once a sensor is triggered, it will sound the alarm siren and alert the home automation or the building management system that help is required. People and places such as monitoring centers or security guards can call the police immediately and resolve the problem as soon as possible.

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Alert and Event Management

The system will detect intrusions and immediately alert home automation and the building management systems when you leave home and will also arm the alarm system. Of course, this will notify monitoring centers or security guards of your door number when the alarm triggers. The system will have records of alerts automatically.

Automated Dialing and Notifications

If you live in a smart building, its security system should allow users to set multiple emergency contact numbers. Different kinds of alarms will trigger contacting other emergency numbers. You should be able to select the alarm system to send notifications to a mobile phone.

Integration with other home appliances

The most critical components in fire safety systems are sensors, such as infrared sensors, explosive gas detectors, and smoke detectors. These sensors are the eyes and ears of the fire safety system, monitoring the home for signs of danger and alerting the home automation or building management system if help is needed.

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3 Innovative Fire Prevention Technologies

There are a lot of solutions on the market when it comes to smart fire protection system technology. No matter which industry you are part of, you’re most likely familiar with fire sprinklers, fire alarms, extinguishers, and others. Fire Protection Technology, however, is far past these popular protection and suppression systems. Here are some of the valuable fire prevention technologies you may have yet to read about if you’re interested in learning about some of the current and most impressive smart technology system for fire protection.

Visual Flame Detectors

Visual flame detectors are a helpful fire prevention technology that processes live video images to sense the characteristic properties of flames. They are useful in oil and gas applications, manufacturing industries, and airplane hangers. They can also identify flames in as short as five seconds, increasing the smart fire protection system’s reaction time. MICRO PACK also gives additional features like explosion-proofing and installation capabilities. These are useful for keeping people, processes, and facilities safe in some of the harshest situations.

Air Sampling Smoke Detectors

Air sampling smoke detectors are excellent fire prevention technology, providing the fastest possible warning of a potential fire hazard. They take in air through air sampling ports, piping, and tubing and analyze the air for smoke. These detectors can pull air in from many areas in a building depending on the ability of the sensors to sample ports and piping. They are a prevention technology that looks for the presence of smoke or fire and prevents fires in the early stages of combustion.

Self-Expanding Fire Fighting Foam

Self-expanding firefighting foam is a newer fire prevention technology that’s starting to have a presence in the market primarily as fluorine-free foam options are now available. It has the same benefits as standard firefighting foam with a few more advantages:

Can Deploy Anywhere

Self-expanding foam, or SEF, is stored under pressure and is only taken. They also mix this on location and will only need enough potable water to meet the volume capacity of the foam storage tank. Once mixed and the tank is installed, no permanent water supply is required. You can place the vessel wherever it is most suitable and deploy from there without additional tools or supplies.

Long Shelf Life and Operation in Even Extreme Temperatures

SEF can stand for as long as ten years. This could differ between every manufacturer. However, fire prevention technology is usually a long-lasting solution you can count on. Kindly also note that SEF is not affected by extreme temperatures, so that fact improves this. This also operates flawlessly under direct heat and hot desert conditions, the same as sub-zero temperatures.

Exceptional Fire Performance

SEF operates entirely on stored energy, making it less expensive and low maintenance. It also provides excellent performance, such as when a 40-foot diameter tank with diesel fuel was ignited and left to burn for 90 seconds, SEF could control the ignition in 15 seconds and extinguish the fire in 25 seconds. 

A standard fire system extinguished the same fire in more than 10 minutes when a comparison test is run. Some fire prevention technologies might be right for you if you’re working in an industry such as oil and gas. Contact your smart fire protection system’s tech support for more information on what technology you need to keep your facility, assets, employees, and the space around you safe.

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Advances in Fire Prevention and Detection

Fire detection and prevention technologies have become more advanced, intelligent, and powerful in the previous years. Please see the following advanced technologies that facilities professionals should consider when looking to protect their buildings. 

Pre-action Sprinkler

With a pre-action sprinkler system, water held back by a pre-action valve is prevented from filling the pipes until an event, such as the activation of a heat or a smoke detector, occurs. Pre-action sprinkler systems offer protection against accidental water release and are used primarily in water-sensitive environments like computers or data centers.

Waterflow Detector

Waterflow detectors are also handy safety tools since they prevent sprinkler malfunction. Moreover, Waterflow detectors monitor water flow to sprinkler heads with a specially-made paddle.

Supervisory Switches

Turning off a single component of a fire detection system, such as a sprinkler, may have catastrophic effects. You may monitor a fire suppression system’s efficacy through supervisory switches to guarantee optimal performance. The supervisory switches may detect the open state of the control valves for the fire sprinklers and the purposeful or accidental cutting off of water flow.

Laser smoke Detection

Laser smoke detection systems have become more prevalent in recent years since they are more importantly sensitive than regular detectors. They can pinpoint fire and smoke early on, reducing the time it takes to diminish them. Laser smoke detections are reliable, stable, most effective, easy to install and maintain, and seamlessly connected with various security systems.

Fire Alarms

Fire alarms are an essential component of effective security management. This is to announce the start of a fire. Fire alarms can produce different sounds and trigger automatically or manually. Many kinds of advanced control panels on the market today are fully networkable fire alarms. A web browser programs and controls these kinds of systems.

Water or Foam Fire Suppression Systems

Water or foam fire suppression systems can damage buildings more seriously than the fire itself. Many security technology companies have introduced systems that use clean fire suppression agents to combat the fire. They minimize damage, extinguish fires, and reduce harmful combustion byproducts.

Integrated Pull Alarms

Integrated pull alarms can take it further, even though manual pull stations offer an added layer of protection for any building facility. You can connect with other security systems like CCTV as soon as the pull station is activated, and all that happens within the space is also part of the recording.

Voice evacuation, an essential component of a public address system, provides clear yet compelling commands that quickly guide people to safety. When a fire alarm sounds, there is an emergency announcement simultaneously for increased safety and security. We can integrate a voice evacuation or public address system with fire detection systems.

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Homeowners Insurance

Of course, you need to obtain insurance for your home in case, and heaven forbid, your house gets destroyed by fire, which we hope will not happen. However, still availing of insurance for your home is the best thing to do. Homeowners insurance is property insurance that will cover any loss and damage to your home. This also includes your furniture and your other personal belongings. Homeowners’ insurance will also provide you liability coverage against accidents in your home or on your property.

Key Points About Homeowners Insurance

  • Homeowners are property insurance covering any loss and damage to your home and personal assets found in your home and property.
  • This insurance policy will also cover interior damage, exterior damage, loss or damage of personal assets, and injury caused while on your property.
  • You also have a liability limit once you opt for the homeowners’ insurance policy. This decides the amount of coverage the insured once something unfortunate happens.
  • Homeowners’ insurance is not the same as a home warranty or mortgage insurance.
  • Homeowners’ insurance should not be confused with a home warranty or mortgage.

A homeowners insurance policy usually covers the following incidents on your insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that happens while inside your property. You will be required to pay a deductible when a claim is made on any of these incidents, an out-of-pocket expense.

Smart Fire Protection Just Makes Sense

We hope you have learned about the use of smart fire protection systems. And if you have smart home technology installed, you may be eligible for a discount on your home insurance premiums. For a free quote with a top independent insurance agency in Denver, Colorado, contact us at Advantage Insurance Solutions.

Call or text us today at (720) 221-8168.

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