Housing Risk Guide: Water Damage Prevention

  • April 10, 2025

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.

Access more resources

Be sure to explore the full range of resources we’ve curated on our Resource Center, designed to help you stay informed, prepared, and resilient, ready to handle anything that comes your way confidently.

Stay connected

Sign up for updates from our blog to stay ahead of emerging trends in insurance, risk management, online training, and affordable housing research, and gain access to the latest resources and tools.

Don't Miss This

Related Content

Housing Risk Guide: Water Damage Prevention

September 4, 2025
Water damage might not be as visually dramatic as fire or wind damage, but it’s one of the most expensive and common...

Housing Risk Guide: Wildfire Preparedness

January 2, 2026
When wildfires occur, they can spread quickly and create dangerous conditions for housing communities with little...

HAI Group and PAHRC Featured in Recent Issues of PHADA’s Advocate

November 17, 2025
HAI Group and the Public and Affordable Housing Research Corporation (PAHRC), HAI Group’s research division, were...