MMA Blog

Water Damage Prevention Plan

Did you know water damage is a leading cause of commercial property losses? Water damage can come from a host of sources, both interior and exterior, that can lead to significant building damage and resulting financial loss. A Water Damage Prevention Plan (WDPP) is a critical element in  controlling water losses in commercial buildings and can prevent or reduce such losses.

Water Damage Prevention Pre-Planning

Coordinating with individuals that know the building’s structural and mechanical workings is crucial. The purpose is to develop a list of high-to-low probability for building water intrusion. Historical data indicates “accidental discharge” as number one for water loss frequency, “pipe freeze-ups” number two and “sprinkler leakage” as number three for commercial buildings. Identifying these risks is the first step in water damage prevention planning.

Sources of Interior Water

  • Plumbing/equipment, piping, drains
  • Fire sprinklers/piping and sprinkler heads
  • Mechanical systems/evaporators and piping
  • Wet areas such as a shower, bath or laundry
  • Condensation sources
  • Pool/spa plumbing and associated pumps

Sources of Exterior Water

  • Adjacent properties
  • Exterior plumbing/city water supply
  • Foundations
  • Groundwater
  • Irrigation systems
  • Roofs and roof drains
  • Siding
  • Septic systems
  • Waterproofing
  • Windows and doors

As the process proceeds, remain flexible and consider additional facts and concerns that may have been missed during the initial planning stage. Allow the WDPP to mature as time goes on. Consider implementing a capital budget set aside for roofing, updates and other repairs. Remember, planning is key to making water damage prevention manageable.

While preparing your WDPP, consider also preparing for severe weather. Read our 4 tips for preparing your building and policy and learn how to best protect your commercial property.

 

Need a review of your WDPP? Start a conversation with our Business Insurance team today.

Looking to protect your personal property from water damage? Visit our home insurance page to receive a quote and additional advice from one of our trusted agents.

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