Know the Types of Water Shut-Off Devices

Avoid major water damage with an automatic water shut-off device.

Refrigerators, water heaters, dishwashers, washing machines and toilets can be sources of leaks that can cause significant damage if not detected early.

The average household’s leaks can account for nearly 10,000 gallons of water wasted every year. The good news is that you can help mitigate water damage losses by installing water shut-off devices in your home.

Water shut-off devices detect unusual flow rates in your plumbing system, and when detected will automatically turn off the water main to the home. They are designed to minimize losses due to plumbing leaks. The flow shut-off system typically has a flow sensor and a motored valve to constantly monitor water flow into the house and can detect low flow rates.

 

Whole-house Automatic Shut-off Systems

Whole-house automatic water shut-off systems detect or prevent water damage from internal plumbing leaks. This device installation should be completed by a licensed plumber.

Time/flow-based systems constantly monitor water flow through the pressurized plumbing lines of a home. Some use machine learning to establish typical usage patterns. In most systems, settings can be adjusted to accommodate user and appliance water use habits. Settings can be based on continuous length of time or on maximum continuous gallons needed for daily activities.

• Installed downstream of irrigation systems and fire sprinkler supply lines.
• Water sensors or freeze/low temperature sensors can be added to some systems to increase the level of protection.
• Valve sizes vary by manufacturer.

Systems that can be installed on a small home or very large home because they operate based on time and flow, irrespective of the size of the home. Some brands that make time/flow systems are Leak Defense, Flo-Logic and Phyn.

Typically, time/flow systems feature “home” and “away” settings that are especially useful in secondary or vacation homes or for residents who travel frequently. When a home is not occupied, the “away” setting can be engaged, reducing the amount of water allowed to flow into the home and providing a higher level of protection. Other typical features of time/flow systems include:

• Battery backup
• Ability to interface with a central station alarm system 

Because these systems are fully automatic, they are potentially the most effective in preventing expensive water damage claims. This may be especially helpful in secondary homes where leaks may not be discovered for long periods of time.

 

Point-of-use Systems

Point-of-use systems are designed to monitor and shut off the water to a single water source such as a toilet, a sink, an appliance or an HVAC unit. Premium credits are not usually available for these kinds of systems.

 

Almost every home can benefit from the installation of an automatic water shut-off device. It may be especially cost-effective and less disruptive to add a system if your home is under construction or renovation because work is already being done.

If you are building or renovating a home, be sure to speak with your local independent insurance agent about risk management steps, including automatic water shut-off systems. You may be eligible for a premium credit or a policy benefit to cover some or all the cost of installation.

This loss control information is advisory only. Not all exposures are in this article. Contact your local, independent agent for insurance coverage advice and loss control information. Neither The Cincinnati Insurance Company nor its affiliates or representatives offer legal advice. Consult with your attorney about your specific situation.

The selection of a particular service provider is the independent choice of the policyholder. Service providers are not affiliated with The Cincinnati Insurance Companies. Cincinnati and its employees make no warranties and assume no liability for services, products or loss control measures provided by service providers.