Water damage is one of the most frequent and costly claims homeowners face and insurance companies are taking notice. In response, many insurance providers are now requiring or recommending the installation of whole-home automatic water shutoff valves to help prevent extensive damage and costly claims.
At Hansen Family Plumbing & Air, we’re seeing more Greater Phoenix homeowners reach out about these devices, either because their insurance provider suggested it or because they want extra protection for their home.These smart-devices are especially great for snowbirds who spend half of the year out of state. You can control the device from your phone and be alerted immediately if a leak is detected while you’re away. Here’s what you need to know.
What Is a Whole-Home Water Shutoff Valve?
A whole-home water shutoff valve is an automatic leak detection system that monitors water flow throughout your plumbing. If it detects unusual usage, like a burst pipe or slow continuous leak, it automatically shuts off your main water supply to prevent flooding and damage.
This high-tech device is especially great for older homes with older plumbing systems and aging, unreliable pipes.
Insurance Companies Now Requiring These Devices
Several major insurance providers are starting to require or incentivize homeowners to install whole-home shutoff valves, especially for older homes or properties with high replacement costs. While these requirements might not affect you immediately, we have seen a rise in inquiries from customers whose insurance providers are requiring the smart technology. Water damage isn’t only a huge nuisance but also a costly repair that both homeowners and insurers would like to avoid when possible.
State Farm
State Farm highlights the benefits of leak detection systems and in California, requires automatic shutoff valves for homes with replacement values between $2–$4 million. While Arizona isn’t on the list just yet, we know our time is coming and we would rather our customers be prepared for the change.
Farmers Insurance
Farmers encourages leak detection technology and offers discounts for customers who install approved systems like Flo by Moen. For older homes with aging plumbing, these systems may be a requirement.
The Hanover Insurance Group
Hanover recommends and increasingly requires shutoff valves for both standard and high-value policies. Their goal is to prevent water damage before it starts, which honestly should be the goal for every homeowner.
Vault Insurance
Vault cites that 93% of water damage losses could be prevented with automatic shutoff systems. They offer policyholder incentives and assistance with installation.
Why Greater Phoenix Homeowners Should Pay Attention
Arizona homes, especially in the Greater Phoenix area, are at unique risk. Aging plumbing infrastructure, slab foundations, and extreme summer heat put extra pressure on pipes. If a pipe bursts while you’re away, the damage can be catastrophic.
Installing an automatic shutoff valve is a smart way to:
- Prevent thousands in water damage repairs
- Increase your home’s resale value
- Qualify for insurance discounts
- Gain peace of mind, even while traveling
Hansen Family Plumbing & Air Can Help
As a family-owned and veteran-owned plumbing company, we’re proud to offer expert installation of automatic whole-home shutoff valves. Our licensed plumbers are experienced with a variety of systems, and we’ll walk you through the best solution for your home.
We treat your home like our own, providing honest guidance, fair pricing, and professional service every time.
Ready to Upgrade Your Home’s Protection?
Contact Hansen Family Plumbing & Air today to schedule your installation or ask about leak detection systems. Serving Mesa and the Greater Phoenix area, we’re here to help protect your home and give you peace of mind.