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Property Insurance & Water Sensors in Arizona

home insurance with flood cover

Water damage is an ever-present threat, whether at home or in commercial properties. Unexpected leaks, like those from burst pipes, can be a homeowner’s nightmare, leading to structural harm, mold growth, and even pest infestations. For homeowners, it’s more than just the physical damage; it’s the potential increase in property insurance premiums. But did you know installing water leak sensors might earn you a discount on those premiums? These modern devices can detect even the smallest of leaks, and the most advanced models can even halt water flow, providing immediate damage control.

The story is similar for commercial property managers. Water damage stands as a top cause of losses, especially for business properties like offices or apartments, as highlighted by a 2018 Zurich Insurance white paper. While plumbing issues might not be the first concern of a business property manager, undetected leaks can drastically affect profits, reputation, and consistent revenue. Just as in residential settings, investing in water leak sensors for commercial properties can be a savvy move. They not only offer early detection but, with alarms and automatic shut-off features, they act as a frontline defense against potential damage, which would reduce the risk of property insurance claims.

In both scenarios, water sensors offer peace of mind, financial savings, and proactive damage prevention, making them an invaluable tool in the realm of property insurance.

Let us consider a few concerning bullet points:

  • The average home insurance claim for water damage is $11,098.
  • 98% of basements experience some sort of water damage.
  • On any given day, home water damage emergencies effect 14,000 people.
  • Nationwide, household water damage costs up to $20 billion annually.
  • One inch of floodwater can cause more than $25,000 damage.

We are just a call away and we’re eager to answer any questions you might have about your business insurance or fill out our questionnaire for a free quote on commercial property insurance!

In a home, it is easier to recognize where your plumbing leaks might happen, sinks, bathrooms, aging pipes, and water heaters are common sources.  An office or commercial building may have additional, significant considerations.

Areas which the water damage would be catastrophic and might require this kind of protection may include:

      • Anywhere high-value equipment, information, or materials are present, such as:
        1. Computer rooms and Datacenters
        2. Medical/Dental equipment feed lines
        3. Electrical switch rooms
      • HVAC condensate pans
      • Atriums/Plant rooms
      • Coffee and break room beverage dispensers & ice machines
      • Other water-supplied appliances and plumbing fixtures

In addition to the considerable cleanup and repair costs, unexpected expenses plumbing leaks can lead to:

      • Business disruptions and shutdowns
      • Code compliance updates in older buildings
      • Increased insurance rates or loss of coverage
      • Increased water bills and fines
      • Multiple units can mean increased cost with the chance for shared damages; repairs require temporary displacement; potential ongoing issues from previous water damage.
      • Vacancies during repairs
      • Tenant complaints, lower satisfaction ratings, and poor reviews; decreased building ratings

Water leak monitors can help you:

      • Limit Unexpected Expenses.
      • Control Costs.
      • Increase Revenue.
      • Keep tenants happy.
      • Maintain good reputation.

Catastrophic plumbing leaks are usually preventable. Water sensors, alarms, notification systems, and automatic shut-off valves that are designed to detect the presence of water and help alert you to leaks and potentially hazardous conditions before it’s too late and can be an important part of your building’s risk management plan.

Your best resource is a knowledgeable agent who does not charge you fees to provide great service. Desert Mountain Insurance has been providing excellent service for over 20 years.   Call us with questions about your commercial insurance or fill out our business liability questionnaire for a free quote!

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