Can the insurer refuse compensation in the absence of a smoke detector?

Verified 25 April 2024 - Directorate for Legal and Administrative Information (Prime Minister)

Each house shall be equipped with at least one smoke detector.

It is the owner who has the obligation to settle the detector.

If you are a tenant or landlord, and you have purchased the fire guarantee, the insurance company has no right to refuse to compensate you or to reduce the amount of your compensation because of the absence of a fire detector in the dwelling.

The insurer can also not decide to increase your contribution because of the absence of a fire detector.

If you have a smoke detector in your home, you have to report it to your insurer, whether you are a tenant or a landlord.

A smoke detector declaration with a copy of the purchase or installation invoice must be sent to the customer (by mail or e-mail).

You can use the following document template:

Smoke detector - Insurer reporting template

Who can help me?

Find who can answer your questions in your region