In 2023, water-related claims were the second most common property claim among HAI Group policyholders, resulting in over $12 million in damages. From hidden leaks and faulty HVAC systems to burst sprinkler heads and roof failures, water intrusion can threaten your property’s structure, disrupt residents’ lives, and lead to significant insurance losses.
What you'll learn
- Common sources of water damage in multifamily housing
- Maintenance best practices for HVAC units, sprinkler systems, plumbing, and roofing
- How to recognize early warning signs and respond before a small issue becomes a major claim
- Steps to educate residents and enforce policies that support water damage prevention
- Why documentation and inspection routines are essential for defending against liability claims
Why this matters
Water damage can lead to mold, structural issues, personal injury, and tenant displacement—not to mention costly repairs and insurance claims. With consistent inspections and simple preventive measures, many of these incidents are avoidable. This guide helps you build a stronger maintenance program, reduce exposure, and contribute to a safer, more resilient housing community.
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This article is for general information only. HAI Group® makes no representation or warranty about the accuracy or applicability of this information for any particular use or circumstance. Your use of this information is at your own discretion and risk. HAI Group® and any author or contributor identified herein assume no responsibility for your use of this information. You should consult with your attorney or subject matter advisor before adopting any risk management strategy or policy.
HAI Group® is a marketing name used to refer to insurers, a producer, and related service providers affiliated through a common mission, management, and governance. Property-casualty insurance and related services are written or provided by Housing Authority Property Insurance, A Mutual Company; Housing Enterprise Insurance Company, Inc.; Housing Specialty Insurance Company, Inc.; Housing Investment Group, Inc.; and Housing Insurance Services (DBA Housing Insurance Agency Services in NY and MI).
