Automatic shut-off systems
can prevent costly damage.

Refrigerators, water heaters, dishwashers, washing machines and toilets can be sources of leaks that can cause significant damage if not detected early.

A burst pipe with as little as a one-eighth-inch crack can release 250 gallons of water a day, according to the Insurance Institute for Business and Home Safety.

The most effective way to prevent costly water damage in your home is to install a leak detection and water shut-off system. There are several levels of protection that can meet the needs and budgets of all homeowners:

• Leak detection system. This system sounds an audible alarm when a water leak is detected. These can often be integrated with your security system to automatically notify you even when you are not at home. This type of device does not provide any water shut-off feature once the leak is detected, but it can be purchased for $50 or less.
• Leak detection with single-appliance shut-off system. The next level system detects water leaks in a single appliance, then automatically shuts off the water supply to that appliance. These are commonly used on water heaters and washing machines. Single-appliance devices can be purchased for $75 to $150.
• Whole-house leak detection/automatic shut-off protection. Top-level systems sound an alarm and automatically shut off the main water supply to the home when a leak is detected at any of the common water sources where a sensor has been placed. Because these systems are fully automatic, they are potentially the most effective in preventing expensive water damage claims.

They often can be connected to your home security system, and many allow you to control them remotely. Sensors can be hard-wired or wireless. A wireless system may work best for multi-level homes where multiple sensors are needed to cover all leak-prone areas. The cost may range from $300 to $1,500 depending on equipment and installation costs, with additional monthly monitoring fees if connected to a security system.

You may be able to install simpler systems yourself, but a whole-house system should be installed by a licensed plumber. Check your local codes for permit and inspection regulations.

Some insurance companies offer premium discounts for homes equipped with automatic leak detection and shut-off systems.

Consider installing an automatic leak detection/shut-off system to protect your primary residence as well as vacation homes or rental property that you own that may commonly be left unoccupied.

Submitted by Tamala Whitaker