Insurance Companies Embrace Leak Detection Tech to Reduce Claims
Learn how smart water leak detection systems can help lower insurance premiums, reduce claim risk, and even secure coverage for hard-to-insure properties.
Learn how smart water leak detection systems can help lower insurance premiums, reduce claim risk, and even secure coverage for hard-to-insure properties.
Water damage remains one of the most common and costly non-weather-related drivers of property insurance claims. In commercial and multi-unit residential buildings, even a small leak can result in tens or hundreds of thousands of dollars in repairs, loss of income, and tenant displacement.
In response, many insurance providers are shifting focus from reactive payouts to proactive prevention. Smart water leak detection is gaining traction as a way to reduce claims, with some insurers even offering discounts or reduced deductibles for buildings that implement these systems. The simplest and most cost-effective solutions use point-of-leak monitoring, which detects water at the source before it causes major damage.
Point-of-leak monitoring is a proactive approach to water damage prevention. Instead of relying on wi-fi commercial sensors, prone to disconnection and signal interference, or manual inspections, this method uses smart sensors placed directly at high-risk locations like under sinks, behind toilets, near HVAC units, dishwashers, and water heaters. These are the spots where leaks are most likely to start and often go unnoticed until significant damage occurs.
When a leak is detected, the sensor sends a real-time alert to property managers via text, app notification, or live phone call. Many systems also offer automatic shutoff valves, allowing water flow to be stopped remotely or automatically when a leak is confirmed.
They require minimal maintenance, last up to 10 years on a single battery, and can be centrally managed through a single platform, making point-of-leak monitoring scalable and cost-effective for large properties.
ProSentry offers all of these capabilities, like real-time alerts, live calls, automatic shutoff valves, and centralized management, making it a complete solution for full-building leak detection.
When it comes to reducing risk and securing favorable insurance terms, not all leak detection systems are created equal. While consumer-grade products from big box retailers may offer basic detection, insurers increasingly prioritize full-building solutions that go far beyond app notifications.
Platforms like ProSentry are built for scalable, enterprise-level protection, delivering full-building coverage across every unit and shared area, not just the space under a single sink or appliance. More importantly, ProSentry’s system reflects how buildings actually function. Leaks can originate in neighboring units or several floors above, and standalone detectors are often unable to detect or alert to those risks. ProSentry provides comprehensive monitoring that adapts to real-world building dynamics.
Insurers recognize this level of coverage and responsiveness. That’s why robust systems with centralized monitoring, automatic shutoff options, and whole-building oversight are more likely to be supported.
While insurers may not always offer lower premiums upfront, many now require water detection systems as part of their underwriting criteria. Others view these systems as evidence of proactive risk management, which can lead to reduced deductibles, policy renewals with fewer conditions, or other favorable terms.
Smart leak detection platforms like ProSentry also help buildings stand out in a competitive insurance market. Showing a commitment to risk reduction can open the door to receiving multiple quotes, a crucial advantage when only one or two insurers are willing to engage.
Leading insurers recognize that smart leak detection is key to preventing costly claims, and they’re backing solutions that deliver real results. ProSentry is proud to be a vetted water leak detection partner of Chubb, a global leader in property and casualty insurance.
This distinction underscores our platform's credibility, performance, and risk-reduction impact. As insurers seek out trusted technologies to safeguard high-value properties, partnerships like ours demonstrate the growing alignment between smart building systems and insurance expectations.
In today’s insurance landscape, prevention is just as important as protection. Water damage remains one of the most costly and disruptive non-weather-related risks to property owners, and insurers are paying close attention to which buildings are taking steps to reduce that risk.
By installing a smart water leak detection system like ProSentry, you're not just catching problems early but showing insurers that your building is actively managing risk. Don’t wait for a leak to prove the value of prevention. Take action now to protect your property, support your insurance strategy, and gain the peace of mind from always being one step ahead.
Water damage remains one of the most common and costly non-weather-related drivers of property insurance claims. In commercial and multi-unit residential buildings, even a small leak can result in tens or hundreds of thousands of dollars in repairs, loss of income, and tenant displacement.
In response, many insurance providers are shifting focus from reactive payouts to proactive prevention. Smart water leak detection is gaining traction as a way to reduce claims, with some insurers even offering discounts or reduced deductibles for buildings that implement these systems. The simplest and most cost-effective solutions use point-of-leak monitoring, which detects water at the source before it causes major damage.
Point-of-leak monitoring is a proactive approach to water damage prevention. Instead of relying on wi-fi commercial sensors, prone to disconnection and signal interference, or manual inspections, this method uses smart sensors placed directly at high-risk locations like under sinks, behind toilets, near HVAC units, dishwashers, and water heaters. These are the spots where leaks are most likely to start and often go unnoticed until significant damage occurs.
When a leak is detected, the sensor sends a real-time alert to property managers via text, app notification, or live phone call. Many systems also offer automatic shutoff valves, allowing water flow to be stopped remotely or automatically when a leak is confirmed.
They require minimal maintenance, last up to 10 years on a single battery, and can be centrally managed through a single platform, making point-of-leak monitoring scalable and cost-effective for large properties.
ProSentry offers all of these capabilities, like real-time alerts, live calls, automatic shutoff valves, and centralized management, making it a complete solution for full-building leak detection.
When it comes to reducing risk and securing favorable insurance terms, not all leak detection systems are created equal. While consumer-grade products from big box retailers may offer basic detection, insurers increasingly prioritize full-building solutions that go far beyond app notifications.
Platforms like ProSentry are built for scalable, enterprise-level protection, delivering full-building coverage across every unit and shared area, not just the space under a single sink or appliance. More importantly, ProSentry’s system reflects how buildings actually function. Leaks can originate in neighboring units or several floors above, and standalone detectors are often unable to detect or alert to those risks. ProSentry provides comprehensive monitoring that adapts to real-world building dynamics.
Insurers recognize this level of coverage and responsiveness. That’s why robust systems with centralized monitoring, automatic shutoff options, and whole-building oversight are more likely to be supported.
While insurers may not always offer lower premiums upfront, many now require water detection systems as part of their underwriting criteria. Others view these systems as evidence of proactive risk management, which can lead to reduced deductibles, policy renewals with fewer conditions, or other favorable terms.
Smart leak detection platforms like ProSentry also help buildings stand out in a competitive insurance market. Showing a commitment to risk reduction can open the door to receiving multiple quotes, a crucial advantage when only one or two insurers are willing to engage.
Leading insurers recognize that smart leak detection is key to preventing costly claims, and they’re backing solutions that deliver real results. ProSentry is proud to be a vetted water leak detection partner of Chubb, a global leader in property and casualty insurance.
This distinction underscores our platform's credibility, performance, and risk-reduction impact. As insurers seek out trusted technologies to safeguard high-value properties, partnerships like ours demonstrate the growing alignment between smart building systems and insurance expectations.
In today’s insurance landscape, prevention is just as important as protection. Water damage remains one of the most costly and disruptive non-weather-related risks to property owners, and insurers are paying close attention to which buildings are taking steps to reduce that risk.
By installing a smart water leak detection system like ProSentry, you're not just catching problems early but showing insurers that your building is actively managing risk. Don’t wait for a leak to prove the value of prevention. Take action now to protect your property, support your insurance strategy, and gain the peace of mind from always being one step ahead.
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