How Leak Detection Can Save Your Homeowner’s Insurance Premium

Why Insurance Companies Care About Leaks

Water damage is one of the most common non-weather-related claims in the U.S., and it’s expensive. According to data from 2018–2022, one in every 60 homeowners filed a leak-related claim each year with an average cost of nearly $14,000 per claim. That adds up fast - for insurers and homeowners alike.

Smart leak detection - with sensors or systems that monitor water flow and shut off water automatically - can reduce water damage losses by up to 93%. In response to these numbers, many insurance companies now offer premium discounts (typically 5–10%) or even require leak detection systems to qualify for coverage.

How Leak Detection Helps Cut Insurance Premiums

Lower risk means lower premiums. Families with leak detection systems are far less likely to submit costly water damage claims. Insurers reward this reduced risk with more affordable premiums. In fact, some hard-to-insure properties can secure coverage only after installing leak detection systems and/or strictly adhering to periodic maintenance schedules.

Even if you don’t get upfront discounts, insurers may offer lower deductibles or improve renewal terms because you’ve reduced risk. These are all things to ask your property insurance provider. And remember to shop around.

How Regular Leak Detection Protects You

It’s one thing to replace a dripping faucet, but hidden leaks can exist behind walls, under floors, or near HVAC and appliances. That’s why routine leak detection, whether annual or every two years, makes sense. By proactively testing for leaks, you:

• Catch minor issues before they become major repairs,
• Avoid mold, structural wood damage, and costly content losses, and
• Help keep your insurance rate steady or even reduce it over time.

This is not something to DIY or leave to a handyman from some online listing. Working with a qualified plumber ensures accuracy and precision. A pro will use tools like moisture meters, thermal imaging, and acoustic sensors to pinpoint leaks without tearing into walls.

What You Can Do at Home Between Inspections

While plumbers do the heavy lifting and work on the details, property owners can also play a role in prevention. Here’s how to stay proactive:

• Track your water bills. A spike might indicate a hidden leak.
• Watch for signs like a musty smell, warping floors, or damp spots.
• Test your fixtures (toilets, faucets, and water heaters) for slow drips or leaks.
• Listen for noise. You can sometimes hear water in pipes or behind walls when things are quiet.

These habits help reduce water waste, minimize damage, and support your insurance risk profile.

When to Call In the Pros

If you suspect a leak, or if it’s been a year or two since your last check, then it’s time to reach out to Mr. Rooter Plumbing. Our licensed plumbers perform detailed leak detections and follow through with prompt plumbing repair service when required. In fact, we come prepared with parts and materials to handle most repairs the first time around.

Mr. Rooter Plumbing is not restricted to residential properties, either. We are proud to work on a wide range of commercial properties as well. Homeowners, businesses, and property managers are all welcome to call Mr. Rooter for reliable and affordable service.