Unofficial Houses: What, Why, & How – In this episode, Allison and Sara discuss what we call “unofficial houses.”

October 2021: Topics include Leak Protection, water damage, COVID-19, & wellness rules overview.

Water damage is the leading cause of property claims in the MJ Sorority insurance program, accounting for 55% of all reported claims. From frozen or burst pipes to leaking appliances and sewer backups, water can be one of the most disruptive and expensive property issues. Even with highly comprehensive insurance coverage, things like member experience will inevitably be affected.

The best defense is a proactive one. That’s why we strongly encourage property managers and house corporations to take preventative steps by installing a comprehensive leak detection system. These systems are not only an effective way to avoid costly damage but installing leak detection and flow monitors could also make your property eligible for a credit at renewal. Contact your Client Executive for more information.

What Does a Leak Detection System Include?

A comprehensive leak protection setup typically involves:

1. Smart Water Sensors

These devices serve as the frontline defense against water damage by detecting moisture and leaks throughout the property. Strategically placed sensors can promptly alert housing corporations and property managers via mobile notifications upon detecting any signs of leakage.

Recommended sensor locations:

Have your plumber help determine the ideal number and placement of sensors for your chapter house. It may take some experimentation to determine where these should be placed to detect the unusual presence of water. It is imperative to work with a house director who is familiar with the usual patterns of water usage and presence, as well as the history of a property’s water damage or usual problem areas.

2. Flow-Based Leak Detection and Automatic Shut-Off Device

Installed by a plumber on the main water line, the flow meter does exactly what its name indicates: it monitors water flow throughout the house. By monitoring water flow within the chapter house, these devices can identify abnormal patterns indicative of leaks. They can be integrated with plumbing systems to provide real-time alerts in case of leaks, and some models offer insights into water usage for efficient conservation.

If this flow meter detects any unusual pattern in water use, the automatic shuts off then shuts down the flow of water. These devices offer companion apps and/or text alerts that help keep your property management and other house corporation officials informed in real time, which can be especially helpful when members are not living in the house during school breaks. These devices also allow the user to customize the threshold for water flow based on the time of year and even the time of day, helping you manage usual vs. unusual water use. These devices offer an added layer of protection to moisture sensors that cannot detect hidden leaks inside walls or under the foundation.

3. Freeze sensors: These monitor temperature and alert you if it drops low enough to risk freezing pipes (typically around 45°F or 7°C). You may consider them for both sprinkler and domestic pipes. Use of these sensors is risk dependent and you should consider your location when determining the necessity of a freeze sensor.

Why This Matters—Even With Insurance Coverage

While your property insurance policy offers broad water damage protection, dealing with a claim still means disruptions—member relocation, lost rental income, and potential reputational damage. Preventing water damage saves time, stress, and out-of-pocket expenses.

Even the best restoration can’t restore a seamless member experience. Prevention is always the better strategy.

Leak Detection Systems Are Worth the Investment

Business Partner Suggestions

We recommend reviewing products from:

Take Action Now

Don’t wait for a claim to find out how vulnerable your property is to water damage. Investing in leak detection technology now will protect your chapter house, reduce your risk, and earn you a property insurance premium credit at renewal.

For further reading on preventing water damage, refer to our printable infographic or this resource for additional tips. For further information on water damage claims for the MJ Sorority book of business, refer to this infographic.

In the event of flooding or a higher-than-normal water table due to heavy rains, sewage could back up through floor drains or plumbing fixtures located in a basement or lower level. When rising storm waters are expected, it is vitally important to establish a watch system to monitor your property drainage system to quickly identify and address any issues such as back-up, flooding, etc. Being prepared and responding quickly often minimizes the damage potential. The following are some methods to help minimize sewer backup into a building.

If sewage starts to back up into a home or business from the floor drains, it is possible to plug these drains. Floor drains are often at the lowest point in your facility and, as a result, may be the first entry point for sewage backup. Rubber or wooden plugs, purchased at many hardware stores, may be used to close off drains during heavy rains. If plugs are used, mark them prominently if they protrude beyond the floor level so they don’t become a tripping hazard.

After plugging floor drains, if the sewer water level becomes high enough, it may fill and overflow other plumbing fixtures located in the basement or lower level. Plug these drain openings with stoppers or plugs. A string mop can be used to help plug toilet openings. Be aware that ceramic plumbing fixtures such as toilets may be fragile.

Plugging of drains or fixtures should only be done where the condition of the sewer piping below the floor is considered to be strong and tight. Otherwise, heavy rainstorms or flooding may cause a build-up of water pressure within the house or business’ sewer system great enough to rupture pipe joints or damage basement floors.

Some properties may have backwater valves installed on sewer lines. Some are manually closed gate valves, while others are automatic check valves.

Remember that while the valve is closed and protecting your home or business from sewage backup, normal sewage flow from the building to the sanitary sewer is also cut off. This means that plumbing fixtures cannot be used unless a pump bypass is provided.

Many towns also have a comprehensive website with information and advice regarding prevention techniques. You should also refer to your local municipality for assistance.

Leak detection devices are a great way to prevent a sewer backup from doing more significant damage. Click here for further reading.

As everyone over the age of twelve is now eligible for vaccines, more questions arise for employers. MJ has developed a  resource full of frequently asked questions about the Covid vaccines. In addition, be sure to check out the Fisher Phillips vaccine resource center for employers, including their sample vaccination mandate template.

The EEOC COVID-19 website will provide some initial questions and answers to those areas of risk for your organization as an employer. As a private business, from a legal perspective, there is little preventing you from imposing a vaccination requirement on your employees. You will need to balance that against operational risks associated with a mandatory program. Generally, an employer can implement a mandatory vaccination program. This ability by the employer, however, is subject to reasonable accommodation obligations under federal, state, and local laws for those with disabilities who request a medical accommodation or those who have a religious belief against vaccinations. You do have greater latitude to consider when managing this exposure, but there still remains some regulatory and legislative boundaries that you need to review whether it be EEOC and/or OSHA on this subject. The two notable exceptions to this mandate are when an employee can attest to having a medical condition that could cause a real danger of serious illness or death in the event of inoculation and when the employee maintains privately held religious beliefs that are inconsistent with taking vaccines.

Setting aside the question of legality, each business will carefully need to consider all aspects of this matter and calculate all of the inherent risks. Now that vaccines are widely available for everyone over the age of twelve and with the full FDA approval of the Pfizer vaccine, it makes it easier for employers to require vaccination. That being said, each employer must do what it believes is best for its operation. As a sorority headquarters and also sorority chapter house operations, you need to consider not only the health and safety of the employees operating on your property, but also the resident collegiate members. Both the EEOC and the Center for Disease Control have acknowledged the inherent risk of having a COVID-19 infected person in the workplace posing a significant risk of substantial harm to others.

Employers should begin to evaluate their specific workplace situation and determine what is the correct course of action for them by considering the following:

Whatever the case may be, it is recommended that, as an employer, you provide proper education relating to Covid-19 protocol, vaccinations, in general, and the rights of employees to refuse a vaccine. All the while, continuing to practice safe exposure control to prevent the spread of the virus, remove barriers which might pressure reporting to work when sick and make it easy for employees to receive inoculations to fend off COVID-19, even if not mandated.

Employees should have one individual or department who is responsible and accountable for compliance around a mandatory vaccine program and its processes. This is especially critical if the employment at the chapter houses is managed locally. This is a complex issue to effectively navigate and the local management may not be as familiar with all of the inherent risks of this matter.

Given the fast-evolving nature of the question, it is crucial for employers to monitor new laws and guidance from federal and state authorities. Employers should weigh the legal exposure and other risks associated with any mandatory vaccination program, and assess whether the alternative of voluntary vaccination may be a better option based on the nature and needs of your business.

We have seen a dramatic increase in claims arising out of frozen pipes over the last two years. Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter.

Which Pipes Are Most at Risk?

Pipes that are most exposed to the elements, including those outdoors and along the exterior walls of your home, likely need extra protection during winter months. These include the following:

Before winter:

During winter:

Why is a Frozen Pipe a Concern?

When water begins to freeze, it expands. This can cause both plastic and metal pipes to burst, possibly leading to significant water damage to your home.

What Do You Do if You Have a Frozen Pipe?

How to Help Prevent Frozen Pipes
We have created a printable infographic with these reminders for your use.

In addition, make sure you complete MJ’s Winter Weather Checklist prior to the onset of winter weather. More detailed tips to manage the risk of frozen pipes is available here.

September 2021: Topics include COVID-19 (claims), fall semester, operating in the new normal, severe weather & crisis management.

At the beginning of each academic year, we email out a resource for chapter officers and advisors. Click here for the 2021 version.

FAQs: Commercial Auto Insurance – Sara and Allison review the basics of the commercial automobile coverage and some related FAQs.

Event Planning: All About Contracts – Ruth and Allison are back to discuss the ins and outs about insurance contracts: what are contracts, why are they important, what to look for when dealing with contracts, and why all of this matters to our clients.