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Lock-and-Forget: Insurers Deny Claims When Security Hardware Fails to Meet Standards

  //house-home.news-articles.net/content/2025/12/0 .. n-security-hardware-fails-to-meet-standards.html
  Published in House and Home on Saturday, December 6th 2025 at 9:44 GMT by Daily Express

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Key Takeaways from the Express Article on Home‑Security Blunders That Cost You on an Insurance Claim

When you think of protecting your home, the first thing that pops into mind is probably a sturdy lock, a visible alarm, and a CCTV camera that records in 4K. The Express article “Home‑security mistakes that can cost you on an insurance claim” reveals that the way you maintain and document your home‑security measures can be the difference between a smooth claim payout and a denied one. Below, we distill the most critical points, the dos and don’ts, and why it matters for every homeowner.

1. The “Lock‑and‑forget” Problem

The article opens with a cautionary tale of a homeowner who installed a cheap magnetic door latch and then didn’t keep the manufacturer’s warranty up‑to‑date. When the property was burgled, the insurer denied the claim on the basis that the lock failed to meet the minimum “standard security” threshold.

Takeaway: Make sure every lock, deadbolt, and latch on the property meets the insurer’s approved list. Keep the installation certificates and receipts, and check that they’re still valid if you’re updating fixtures.

2. Smoke Alarms Are a Must, But They’re Not Enough

A common mistake identified is failing to maintain functional smoke alarms. The article cites an example where the homeowner had three smoke detectors but one was dead and had been ignored for years. When a fire broke out, the insurer partially denied the claim because the policy required “operational smoke detection devices” on every floor.

Takeaway: Replace batteries at least twice a year, test each unit, and replace any unit that fails a test. Store the test logs in a safety folder that’s included in your policy’s documentation pack.

3. “Security” vs. “Safety” – Understanding the Policy Language

The Express piece explains that many policies use the term “security system” to refer specifically to an alarm that is wired to the police or a monitored third‑party. A standalone motion detector or a simple “DIY” system that only records video is often not enough. If you’re relying on a basic security app, your insurer may still consider the property “unprotected.”

Takeaway: Verify with your insurer whether your current security arrangement meets the “security system” definition in your policy. If not, consider upgrading to a monitored system that triggers a rapid response.

4. Not Updating the Policy After Renovations

After a kitchen remodel, one homeowner omitted to inform the insurer about new appliances (refrigerator, oven, and a new 200‑amp electrical panel). When the new fridge short‑circuit caused a fire, the insurer denied the claim because the policy only covered appliances listed in the original policy documents.

Takeaway: Every time you make significant changes—new appliances, additions, or structural changes—notify the insurer and update the policy add‑ons accordingly. Keep the updated bill of materials in the policy folder.

5. Poor Documentation of Valuables

The article quotes insurance specialist Jane Foster from the UK Insurance Academy who notes that “insurers expect proof of value.” One homeowner attempted to recover for a stolen antique vase but lacked receipts, photographs, or a valuation certificate. The insurer ruled the claim “incomplete” and refused to pay.

Takeaway: Create a “Valuables Log” every time you acquire high‑value items. Include a photo, purchase receipt, and a professional appraisal if applicable. This log should be part of the policy’s “home inventory” document.

6. Not Reporting a Claim in a Timely Manner

A headline example in the article shows a homeowner who waited six weeks after a break‑in to file a claim. The insurer’s policy states a “72‑hour notification” requirement. The claim was therefore disallowed, and the homeowner was left to pay out of pocket.

Takeaway: File any claim within the timeframe set by your policy. Keep a copy of the claim form, and retain all evidence (photos, police reports, witness statements).

7. The “No‑Alarm” Clause – A Silent Danger

The Express article provides a link to the Insurance Information Centre (IIC) for more detail on the “no‑alarm clause.” In simple terms: if you had no alarm at the time of the theft, the insurer may deduct a significant portion of the payout. For many people, installing a basic wired alarm system can reduce premiums by 10–15% while also safeguarding against a partial claim denial.

Takeaway: Even a low‑cost, monitored alarm can meet the policy’s “security system” requirement and keep your premiums down.

8. Insurance Claims Process 101

The article links to a helpful guide on How to File a Home Insurance Claim, outlining steps such as:

1. Immediate Action: Ensure safety; turn off electricity, water, etc.
2. Contact the Police: Obtain a police report number.
3. Document Everything: Photos, videos, receipts, and witness statements.
4. File Online or Call: Most insurers allow both.
5. Follow Up: Keep track of claim status; ask for timelines.

Bottom Line

The Express article makes it clear that a homeowner’s approach to security and documentation is not just about preventing theft or fire—it’s a legal requirement woven into the fabric of most home‑insurance policies. The easiest way to avoid a denied claim is to keep a meticulous record of:

• All security devices (type, model, installation date, and warranty).
• Functional smoke alarms and fire suppression systems.
• Up-to-date inventory of high‑value items.
• Updated policy add‑ons after renovations.
• Prompt reporting of any incidents.

By doing so, you not only protect your property but also safeguard your financial interests when the unexpected happens. If you’re unsure whether your home‑security setup meets your insurer’s criteria, schedule a policy review with your agent and request a copy of the “security system” clause. Prevention, documentation, and timely communication are your best defense against a denied claim.