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Deductible Assurance

Combat High Water Damage Deductibles

IoT Technology + Water Damage Buydowns

With soaring water damage deductibles and ever-shrinking project timelines, general contractors and project owners are seeking options that can protect against major insurance claims while keeping project financials secure.

The solution: Insight Risk's Deductible Assurance, a complete risk management and  financial strategy. Bundling together water damage deductible buydowns with proven water damage loT risk management rental solutions, you can now increase project profitability with beneficial added protection. 

By selecting one of Insight Risk's three carefully curated protection packages, you become eligible for a  Builder's Risk water damage deductible buydown to as little as $50,000 per occurrence. Technology and buydown cost estimates are available on your schedule, even if the overlying policy hasn't been secured yet.

Compatible with most U.S. Builder’s Risk policies, Deductible Assurance can be a valuable addition to your MBR or project-specific program and insurance strategy.

How It Works

Fill out the project-specific application.
Within five (5) business days, you will receive a quote with three different water damage technology solutions for your project.
Each solution comes with a 100%, 200%, and 300% policy aggregate buydown option.
Insight Risk will design, procure, and install your technology solution, train your team, and provide project-long guidance and support to maximize uptime and risk management benefits.
At any time, the technology can be purchased outright and remain in place for use after occupancy.
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Tiered Technology Solution Packages

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Option 1

Environmental Sensors

Detect temperature changes, humidity, and the presence of water 24/7. With frozen pipes being a leading cause of water damage, this option is the central component of all technology solutions.

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Option 2

Environmental Sensors and Flow Monitoring

Option 1 plus non-invasive inline water flow monitoring in real time. Detect leaks and open faucets that would otherwise go unnoticed for hours or days.

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Option 3

Environmental Sensors, Flow Monitoring, and Shut-off Valves

Option 2 plus remote operated water shutoff capability to detect and stop water within minutes. This option also offers permanent benefits for owners when the building converts to operational status.

In addition to state-of-the-art hardware and software, each solution includes a custom-designed prevention and response plan, 24/7 monitoring with instantaneous notification of potential loss events via text message, email, and in-app alerts, and periodic status reports including alert details, estimates of averted losses, and other risk control insights that help our clients learn how to manage water damage risks more effectively.

Benefits Beyond The Buydown

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Save Time

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Improve Overall Insurance Program

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Prevent Compounding Delays

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Meet Contractual/Lender Requirements

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Collect Claims Payments Fast

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Protect Sub Contractors

Become A Deductible Assurance Member

Earn added benefits from becoming a pre-approved Deductible Assurance Member, including:
  • Immediate cost reductions of 10% to 25%
  • Priority quoting (two business days or less)
  • Online application with quote tracking portal
  • Estimates available as early as precon phase
  • Access to our enhanced tech-only solutions for fire, intrusion, humidity, and more!

Let's Talk

Whether you’re a contractor, developer, risk manager, broker, or carrier, reach out to discuss how we can work together to reduce losses and keep job sites moving.

Get in Touch
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