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Stop the Flow: Reduce the Risk of Home Damage with Smart Water Shutoff and Leak Detection Technology

By Allen Anderson
Senior Vice President and Chief Underwriting Officer, Personal Lines at Selective Insurance

Non-weather water damage and freezing loss claims are among the most common property insurance claims1. I’m all too familiar with the data–and many homeowners have a horror story (or two) about sloshing through a waterlogged basement.

You can imagine the stress, inconvenience, and cost of water damage due to appliance leaks and burst or broken pipes. No one wants to live without their kitchen or bathroom for weeks or months while coordinating with contractors to repair and rebuild.

What if homeowners could potentially avoid these risks each year?

Thanks to recent advancements in “smart” leak detection technology and automated water shutoff devices, homeowners can take proactive steps to reduce home water loss risk.

How Smart Water Devices Reduce the Risk of Water Damage

In most cases, water enters the home through a single pipe and travels through the plumbing system to reach sinks, showers, refrigerators, and washers.

Water shutoff and leak detection devices, like PHYN and LeakBot, are installed at the plumbing system’s entry point to monitor water flow and vibrations. They “learn” about your water usage and “understand” what particular pressures, volumes, and patterns mean at specific times. For example:

Your family may use 30 gallons of water for showers, 2 for washing dishes, and 1 for filling water bottles every morning. Your detection device* tracks this data and learns your family’s typical water usage habits. If it detects an anomaly, such as a faucet left on by mistake, it will send an alert to your phone. From there, you can turn off the water and contact a plumber if necessary. You can also set leak detection devices like PHYN to shut off your water automatically if it detects a leak.

These devices are extremely sensitive and can detect small leaks in concealed spaces and alert you that a faucet, pipe, or fixture may need attention before significant water damage occurs.

Americans lose a trillion gallons of water and billions of dollars to leaks each year.

Source: www.phyn.com

Proactively Protect Your Home from Water Damage

Wakefield Research found that 61% of homeowners do not perform preventive maintenance regularly–usually because they are concerned about the expense or do not know what to do. In those findings, Selective saw an opportunity to offer our customers protection beyond their insurance policies.

We partnered with PHYN to help our customers proactively prevent non-weather-related water damage losses. PHYN’s leak detection and water shutoff technology can help reduce water loss claim frequency, severity, and cost2.

Selective Personal Lines homeowners policyholders can visit Phyn.com to learn more about the benefits and how to claim a 15% discount. Please consider adding a water monitoring device to your home to help reduce the risk of water damage.

*Not all smart water devices have the same features and functions. Review your options to find the right device for your needs and preferences.

** Discount is available only to Selective homeowners’ policyholders (HO3 and HO5) in AZ, IL, IA, MN, NJ, OH, RI, SC, TN, UT, VA, and WI. NFIP offer not available in IN, MD, and PA.



1 https://www.propertycasualty360.com/2020/01/31/using-big-data-to-predict-non-weather-water-claims-risk/?slreturn=20230725142211
2 Consumer Intelligence research featured in a whitepaper by Ondoplc.com titled Counting the Savings.