Washington § 48.19.540 - Fire alarms and smoke detection devices — Impact on dwelling unit insurance rates.

Full text of Washington Revised Code of Washington § 48.19.540 — Fire alarms and smoke detection devices — Impact on dwelling unit insurance rates., with citation guidance and answers to common questions.

§ 48.19.540. Fire alarms and smoke detection devices — Impact on dwelling unit insurance rates.

(1) In making rates for the insurance coverage for dwelling units, insurers shall consider the benefits of fire alarms and smoke detection devices in their rate making. If the insurer determines a separate rate factor is valid, then an exhibit supporting these changes and any credits or discounts resulting from any such changes must be included in the initial filing supporting such change. An insurer need not file any exhibits or offer any related discounts if:
(a) No changes are made to the credits or discounts already in effect prior to July 28, 2019;
(b) It determines that there is no material anticipated change in losses due to the use of such equipment; or
(c) Any potential credit or discount is not actuarially supported.
(2) For the purposes of this section:
(a) "Dwelling unit" means a residential dwelling of any type, including a single-family residence, apartment, condominium, or cooperative unit.
(b) "Smoke detection device" or "smoke detection devices" means an assembly incorporating in one unit a device which detects visible or invisible particles of combustion, the control equipment, and the alarm-sounding device, operated from a power supply either in the unit or obtained at the point of installation.
(c) "Fire alarm" or "fire alarms" means any mechanical, electrical, or radio-controlled device that is designed to emit a sound or transmit a signal or message when activated or any such device that emits a sound and transmits a signal or message when activated because of smoke, heat, or fire.
(3) This section applies to rate filings for coverage for dwelling units filed on or after January 1, 2020.
[ 2025 c 243 s 4; 2019 c 455 s 4.]

Notes

Short title—2019 c 455: See note following RCW 43.44.110.

Source: official Washington text · Last verified 2026-08-27

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Frequently Asked Questions About Washington § 48.19.540

What does Revised Code of Washington § 48.19.540 cover?

Section 48.19.540 ("Fire alarms and smoke detection devices — Impact on dwelling unit insurance rates.") is part of the Revised Code of Washington, the codified statutory law of Washington. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.

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Is this the official text of Washington law?

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