In the MJ Sorority Program, 55% of property claims are due to water-related issues. The most common reasons for water damage are: wPreventing Water Damage at the Chapter House: Why Leak Detection Is a Must

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

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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.