01
$98M
in estimated 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: 2025 monitoring data from 200+ properties, about 110,000 water-escape sensors and 140,000+ active Eddy devices. Research by the Eddy Monitoring Center team.
What the operating portfolio actually tells us.
02
59%
of 2,557 confirmed water events in 2025 happened outside business hours. Major leaks, the ones with the most destructive potential, peak 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).
Get the full report.
It goes deeper into the response gap, the insurance shift and what the fastest building operators do differently.
After-hours is when the math compounds.
Across 2,557 confirmed events in 2025, 59% happened outside business hours, and major leaks, the ones with the most destructive potential, peaked at 2 AM. In multi-family buildings, 65% of leaks started after hours, the highest share of any building type. Eddy’s 24/7 monitoring center escalates an after-hours leak by phone within minutes.
Read the introAfter-hours share, 2025 portfolio
| Outside business hours | 59% |
|---|
| Multi-family | 65% |
|---|---|
| Commercial | 56% |
| Construction | 41% |
Aon 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.
Interactive · keep exploring
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Plug your asset type, size and age into the same data behind this report. Get the leaks to expect, the three sources behind them and a personalized PDF for your board, broker or stakeholders.
Estimated 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.
Key findings
- Every event in the 2025 dataset was sensor-detected and verified by the Eddy monitoring center, with response measured in minutes, not hours.
- About 110,000 water-escape sensors across 200+ properties fed the analysis.
Read chapter - 02
The 2 AM problem
65% of multi-family leaks in 2025 happened after business hours, and the 2 AM hour saw the single highest concentration of major leaks, the ones with the most destructive potential. The detection works. The response chain is what fails.
Where water damage starts in multi-family buildingsKey findings
- 59% of all confirmed events happened after business hours. In multi-family buildings, 65% of leaks did.
- Midnight to 5 AM produced 132 leaks, 29 of them major, the kind with the most destructive potential. The 2 AM hour had more major leaks than any other.
- A weekend mechanical failure can run 36 to 60 hours undetected without monitored response.
- 03
Insurance is rewriting the math
Interior water damage claim severity rose 8% from 2019 to 2023 (Verisk), and water damage is the leading cause of commercial property loss, at 57% of processed property claims (Zurich North America). Carriers are tightening terms. Some require detection systems as a condition of coverage. Sources: Verisk, Zurich North America.
Key findings
- Water is the leading cause of commercial property loss at 57% of processed property claims (Zurich North America), and interior water damage claim severity rose 8% from 2019 to 2023 (Verisk).
- Monitored buildings have documented premium savings of up to 20%, with deductible reductions of up to 80% documented at individual properties.
- Even counting only the leaks that became insurance claims, Aon's independent 2023 whitepaper found the Eddy system would have reduced total water damage losses by 23%.
- 04
Speed of response is the new advantage
Across Eddy's 2025 portfolio, response was measured in minutes. Without a 24/7 monitoring program, a leak can run for hours.
Key findings
- Eddy estimates that its detection and response prevented $98M (US) in property damage across the 2025 portfolio.
- Construction sites showed a 69.6% leak rate, nearly 3x the rate of operating multi-family buildings.
- Eddy's model puts the base estimate for an undetected leak at $64,200 on average in multi-family buildings and $91,200 in commercial buildings, before it adds the extra cost of leaks after hours or on upper floors.
Cite this report.
These findings are free to reference with attribution to Eddy Solutions. Copy any of the lines below as written.
Eddy Solutions' State of Water Risk '26 report analyzed 2,557 confirmed water events across 200+ monitored properties in 2025.
Per Eddy's State of Water Risk '26 report, 59% of water events across all building types happen outside business hours and 65% of leaks in multi-family buildings start after hours. Major leaks, the ones with the most destructive potential, peak at 2 AM.
Eddy's monitored portfolio prevented an estimated $98M (US) in property damage in 2025.
In Eddy's 2025 portfolio, construction sites showed a 69.6% leak rate, nearly three times the rate of operating multi-family buildings.
Cite as: Eddy Solutions, State of Water Risk ’26 (2025 monitoring data). Research by the Eddy Monitoring Center team, 2026. eddysolutions.com/state-of-water-risk