01
$98M
in property damage prevented across our 2025 monitoring portfolio, in USD. The difference between a $2,000 cleanup and a $150,000 multi-unit restoration is almost entirely a function of time.
State of Water Risk ‘26 · Annual report
Water damage has never been more avoidable.
We analyzed 2,557 confirmed water events across 200+ properties in the operating portfolio. Here is what separates the buildings that lose six figures from the ones that catch the leak in minutes.
Methodology: 200+ properties, about 110,000 water-escape sensors and 140,000+ active Eddy devices. Eddy Monitoring Center, 2025.
Read the findingsWhat the operating portfolio actually tells us.
02
59%
of 2,557 confirmed water events in 2025 happened outside business hours. The frequency peaks at 2 AM. Most buildings have no one watching the alert chain when it matters most.
03
57%
of processed commercial property claims are water damage. Water is now the number one cause of commercial property loss (Zurich North America), and the gap is widening every year.
65%
56%
41%
59%
Multi-familyCommercialConstructionPortfolio
After-hours is when the math compounds.
Across 2,557 confirmed events in 2025, 59% happened outside business hours. Multi-family takes the worst of it at 65%, with major leaks peaking at 2 AM. The fastest buildings have a 24/7 monitoring program on the same circuit as their shutoff valves.
Read the introAon water-risk whitepaper
As the value of the water damage claim increases, so does the mitigation effectiveness in reducing loss amounts by utilizing water protection systems.
Aon studied a portfolio of historical commercial water loss claims and found that Eddy’s system would have positively affected 58% of them.
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Property damage prevented
2025 portfolio$98M
Across 200+ properties on the Eddy program. See where your building sits, and what changes when it's on the chain.
Stack
Off-hours
Response
Inside the report.
- 01
Detection has gotten faster
Smart sensors detect flow anomalies in seconds. Ultrasonic meters and connected shutoff valves have made detection a solved problem. Most buildings still rely on a sensor that does not talk to anything.
Read chapter - 02
The 2 AM problem
65% of multi-family water events in 2025 happened after business hours, and the 2 AM hour saw the single highest concentration of major leaks. The detection works. The response chain is what fails.
- 03
Insurance is rewriting the math
Interior water damage claim severity is up 8% since 2019, and water damage is now the leading cause of commercial property loss, at 57% of the claims Zurich North America processes each year. Carriers are tightening terms. Some require detection systems as a condition of coverage. Sources: Verisk, Zurich North America.
- 04
Speed of response is the new advantage
$98M in property damage prevented across the 2025 portfolio. Almost entirely a function of time. Properties with auto-isolation and a 24/7 monitoring program responded in minutes. Everyone else responded in hours.