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When trying to predict these different sources of claims, underwriters need to consider a variety of factors to understand the cause of water losses fully. These factors include climate, hydrology, and physiography, as well as property build qualities, conditions, and repair costs. (Credit: danielfela/Shutterstock) When trying to predict these different sources of claims, underwriters need to consider a variety of factors to understand the cause of water losses fully. These factors include climate, hydrology, and physiography, as well as property build qualities, conditions, and repair costs. (Credit: danielfela/Shutterstock)

Non-weather water claims are among the most common type of property insurance claims —both in personal and commercial lines. One in 15 people in the United States with a standard five-year home insurance policy will experience a non-weather water claim at some point during their coverage.

Often caused by plumbing and appliance leaks and failures, non-weather water claims cost insurers $8.2 billion annually in personal lines alone, or 20% of all property insurance losses in the U.S. The average non-weather water claims costs $6,695 in personal lines but can vary from $1,560 to more than $75,000 depending on the expensiveness — and expansiveness — of the damage.

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