Operative Text
Sec. 3.6. A violation of section 3.5 of this chapter does not constitute grounds for a reduction or denial of a claim under an insurance policy even if the policy contains terms to the contrary.
Indiana Code § 22-11-18-3.6 addresses the legal effect of violating the carbon monoxide alarm requirements set out in the preceding section (§ 22-11-18-3.5). Under this provision, such a violation cannot be used as a basis to reduce or deny an insurance claim, even if the insurance policy itself contains language that would otherwise allow the insurer to do so. In other words, the statute limits the ability of insurers to invoke a carbon monoxide alarm violation as a coverage defense.
Plain English — not legal advice.
Property owners and managers should be aware that under Ind. Code § 22-11-18-3.6, a failure to comply with the carbon monoxide alarm installation requirements of § 22-11-18-3.5 does not automatically void or reduce insurance coverage for a claim. That said, compliant operators generally maintain carbon monoxide alarms in proper working order and document their maintenance practices, both to satisfy the underlying safety requirements and to avoid any other legal exposure that a violation might create. This provision does not eliminate other consequences that may flow from noncompliance with § 22-11-18-3.5.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Ind. Code § 22-11-18-3.6 provides a meaningful protection in the insurance context: if a landlord has violated the carbon monoxide alarm requirements of § 22-11-18-3.5, that violation cannot be used to reduce or deny an insurance claim, regardless of what the policy language says. Tenants who believe this protection is relevant to a claim or dispute may wish to consult a tenant-rights organization or legal aid provider familiar with Indiana housing law. Reviewing the underlying requirements in § 22-11-18-3.5 can also help tenants understand what alarm standards apply to their rental unit.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated October 14, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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