What must fire insurance companies report to the state fire marshal?

Fire insurance companies are required to report all fire losses of $1,000 or more, as well as any losses that result in injury or death, to the state fire marshal. This requirement is in place to ensure that the authorities can track significant fire incidents, understand trends in fire safety, and respond appropriately to prevent future hazards. Reporting losses that meet these criteria helps the state marshal to assess the effectiveness of fire prevention programs and to gather important data that can inform policy and safety regulations.

By focusing on losses above a set monetary threshold and those linked to injuries or fatalities, the regulation prioritizes the most critical incidents that could have wider implications for public safety and fire prevention efforts. Thus, this requirement ensures that the state remains informed about substantial fire events, enabling a more effective response to fire-related risks within the community.