Water damage is one of the top reasons homeowners file property claims, and more often than not, the source is right inside the house. Whether it’s a burst pipe, a leaking appliance, or an old water heater that finally gives out, these issues can lead to serious damage.

Watch for Water

Common culprits of water damage include:

• Broken or leaking water supply lines
• Failing plumbing or appliances
• Pipes that freeze or burst due to age or neglect
• Water heater malfunctions
• Overflowing sinks, tubs, or toilets

The tricky thing is water damage doesn’t care what season it is—and cleanup can take weeks or even months. And beyond the mess and inconvenience, there’s the emotional toll of losing personal, irreplaceable items like photos, keepsakes, and artwork.

But here’s the good news: there are practical, proactive steps you can take to reduce your risk—and your stress.

Install a Leak Detection Device

One of the smartest moves you can make is having a flow-based water leak detection system installed. These devices attach right to your main water line and monitor water flow throughout your home. If something goes wrong—like a pipe crack or a washing machine hose burst—the system can detect it, alert you, and automatically shut off your water before things get out of hand.

Most systems are customizable, so you can set your own water usage parameters. You can also connect them to your security system or your phone for real-time alerts.

Wondering if a leak detection system is really worth it? Check out these real-life examples from Chubb Insurance.

• Laundry Room Disaster: “One homeowner was away when a laundry room supply line broke. Water flowed from the second floor, through the main level, and into the basement. By the time the sensor in the basement sent an alert, the damage was done. Chubb paid out $2 million to restore the home and replace belongings.”
• Washing Machine Overflow: “Another client left home with the washing machine running. It malfunctioned and overflowed—causing extensive water and mold damage on both floors. Total loss? $1.4 million.”

Get Ahead

If you’re considering ways to protect your home from water damage, two insurance carriers we recommend are Chubb and Cincinnati Insurance. Both offer valuable resources, including Chubb’s Water Damage Prevention program, to help you proactively manage risk. One of the most effective steps you can take is installing a leak detection and shutoff system that fits the unique needs of your home.

Not sure where to begin? Your insurance broker can help you explore your options and connect you with a water damage specialist. Once you’ve selected a system, be sure to have it installed by a licensed plumber. As a bonus, many insurers offer premium discounts once a qualified system is in place.

Taking a few preventative steps now can help protect your home, your time, and your peace of mind. If you have any questions, reach out today and our team can help you get started!