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Your Home, Protected From Water Damage

At Chubb, we can help you prevent unexpected water leaks from damaging your home. If you experience water damage or a flood, we’ll make sure your home is made whole again, right down to the smallest details.

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When there’s too much water

Water is a basic necessity of life. Plants, animals, and people all need it to survive. But too much water can cause problems – both inside your home and outside of it.

Water doesn’t always stay where it’s supposed to

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Water damage makes up 45% of all interior property damagehappening more often than fire or burglary

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Failure of the

plumbing supply system is the #1 causeof non-weather-related water losses

Losses over $500K have more than doubled since 2015 and losses over $1M have tripled

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Once Additional Living Expense coverage (ALE) is triggered, the average duration a client is out of the home is 3 months

94% of homeowners have fire / smoke detection devices while only approx. 1.5% of Chubb residences have water shutoff devices

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Most homeowners are not prepared. Many do not know where their main water valve is located. Very few “inspect” appliances on a regular basis. While many clients invest in fire and security alarms, water leak detection devices are much less commonly used today

Mother Nature isn’t always good to us

Water damage from floodinghappens more oftenthan you might think

Floods are the
#1 disaster
in the U.S.

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7 out of 10 Presidentially declared disasters are flood-related

Floods occur in
all flood zones

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Additional Resources

  • Survey Finds Close to 80% of Homeowners Overlook Costly Water Leak Exposure When Heading Out on Vacation
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  • Chubb Homeowners’ Water Risk Survey: Homeowner’s attitudes toward home protection, and what they’re overlooking
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  • Don’t Get Waterlogged: Protecting Your Home While Away
    Read more Share
  • Waterproof advice for making your home vacation-ready
    Read more Share
  • You can ward off water woes that can damage your house while you're away
    Read more Share
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Preventing water damage, inside and out

You’ve worked hard to make your house a home. Don’t let water damage destroy what you’ve built.

Take proactive steps to prevent water from damaging the inside or the outside of your home.

Keeping the inside of your home safe and dry

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Pipes can burst. Appliances can wear out and start leaking. Sewer lines can get backed up. Instead of waiting for the inevitable to happen, take steps to keep your home’s interior safe and dry.

Things you can do to prevent interior water damage:

Know where the water main shutoff valve is located; educate your family and domestic help, so they know what to do if a leak or backup happens.

If you travel or are planning to be gone for an extended period of time, turn off your water main before leaving, get a neighbor or friend to check INSIDE your home periodically, and make sure they know where the water main is located in case they need to turn off the water. If you have a flow-based water shutoff device, set it to “away” before you leave.

Install a system to detect and/or stop water leaks

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  • Device sensors
    Placed near water-using appliances and devices, these sensors will send an alert to your smartphone when a water leak is detected.
  • Centralized systems
    By combining a water shut-off valve with a wireless control panel, these systems sound an alarm in the house or send an alert to your smartphone and turn off the home’s water supply when a continuous water flow is detected.
  • Combination systems
    These systems use sensors near water-using appliance and shut-off valves attached to the home’s main water supply. They are triggered either when a small leak is detected near an appliance, too much water is flowing through the home’s plumbing, or when the home’s temperature falls below 40 degrees.
  • Leak Defense by Sentinel Hydrosolutions
    This system provides comprehensive protection from water leaks, hassle-free installation. Chubb has referred clients to Sentinel Hydrosolutions since 2010 and a negotiated 35% discount on the device for Chubb clients.

Consider installing a backwater valve to prevent sewer water from re-entering the home if a sewer or drain line gets backed up due to excess rain or flood waters.

See how Sentinel's Leak Defense System works

It’s easy to install, unobtrusive, and works to help your clients prevent interior water damage.
See how it works and the extra discounts available for Chubb clients.

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Keeping the outside of your home free from water damage

If you’re expecting heavy rains, a hurricane, or potential flood waters near your home, take steps to prepare your home and keep it free from damage:

Bring in outdoor furniture and move important indoor items to the highest possible floor.

Disconnect electrical appliances and do not touch electrical equipment if you are wet or standing in water. You could be electrocuted.

If instructed, turn off your gas and electricity at the main switch or valve. This helps prevent fires and explosions.

https://www.ready.gov/floods

While you’re away

Tips for keeping your home dry and safe while you’re on vacation

These simple, proactive steps can help you minimize water damage or even prevent it from happening in the first place. Before your next vacation, use these tips to keep your home protected.

When it’s warm outside

Tips to avoid water damage in warm weather

During the summer months, you may not think water damage could be an issue. But water leaks and plumbing problems can happen at any time. Use these simple steps to keep your home free of water damage.

When it’s cold outside

Tips to avoid water damage in cold weather

When the temperature starts to drop, you can use these simple, proactive steps to help minimize the potential for water damage and keep your home protected.

Client renewal letter

Introduce your clients to the latest water damage prevention technology

Use this customizable client renewal letter to encourage your clients to take advantage of technology available to help prevent water damage due to leaking or bursting pipes or other plumbing issues.

If you’re an agent or broker and would like to co-brand these Resource Guides, click here for instructions

The Hidden Property Damage Danger Lurking in Your Home

You could be forgiven for thinking that William Turnbull is a little obsessed about water leaks in his house.

Read more

Small Leak,
Big Problem

Unnoticed water leaks can be among the most catastrophic causes of household property damage. And water damage is on the rise.

Read more

Drip to
Disaster

The property damage you're most likely to suffer. Water damage accounted for almost half of all property damage losses in 2015, up from about a quarter of all losses in 2011.

Read more

Additional Resources

  • Bursting pipes can cause damaging flooding in your home. An expert shows Jeff Rossen (and you) simple tips that could save you big bucks this winter.
    Read more Share
  • Waterproof advice for making your home vacation-ready
    Read more Share
  • You can ward off water woes that can damage your house while you're away
    Read more Share
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Chubb looks for ways to do more

With the right insurer and the right coverage, a leaking pipe or flood waters don’t have to mean the end of your beautiful home.

Chubb can help you replace or rebuild your home, right down to the details that matter most.

Home Policy

Help protect your house, so it always feels like home

Flood Policy

Help your clients protect their home with watertight coverage

Experience the Chubb difference

At Chubb, we’re always looking for ways to do more for our clients. The chart below shows the level of protection you can expect when you’re a Chubb client. Work with your independent agent to fill out the right-hand column below to see where you’re protected today, and where Chubb can raise your expectations.

 
Protection with Chubb
Your protection today
Coverage available in most flood zones across the United States
true
true
Coverage applies even if your home is the only one that floods in your neighborhood
true
true
Up to $15 million for your home and its contents
true
true
Coverage up to $30,000 for costs to comply with any law or ordinance requiring that you repair, rebuild, elevate, flood-proof, or demolish your home after a covered flood loss*
true
true
Up to $7,500 in additional living expenses, meals, and other items*
true
true
Up to $5,000 is included for the cost of supplies and labor to protect your property and the expenses to move the covered property to safety
true
true
Contents claims paid on a replacement cost basis
true
true
Up to $15,000 in coverage for contents typically found in a furnished basement, like furniture, rugs, home theater systems, pool tables*
true
true
Up to $30,000 in coverage for built-in cabinetry, wet bars, saunas, and other types of property in a basement*
true
true
Loss assessments from a condo/co-op or homeowner associations
true
true

* Increased coverage is available for an additional premium

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