2GIG SMKT8-345 Posts

Freezing and water damage accounted for 29.4% of Homeowner's Insurance losses by cause in 2019*. From 2015 - 2019, the weighted average cost per accident year was $11,000* for freezing and water damage. Only fire and lightning damage was more costly. But flood damage can often be avoided.

At this time of year, with the worst of winter still ahead of us, our thoughts always turn to incidents of flooding which are caused predominantly by freezing temperatures. In many instances, homeowner's insurance companies want proof that there is both freeze and flood protection in a dwelling as a condition of insurance, or in order to provide the best available rate. With just a few added sensors and tweaks, your existing alarm system can help you prevent freezing and flood damage. Below we'll outline some products and strategies that can help.

To properly protect against this type of damage, it is helpful to know when the temperature in a building drops low enough to cause concern. There are many sensors that can assist in this, and in many cases, a sensor may perform double duty. There are motion detectors that also have built-in freeze sensing, as well as smoke, heat, and combination sensors. Here's a list of just a few, and the systems they are compatible with:

With any of the low-temperature sensing devices above, you can be alerted to dangerously low temperatures within a building. Alerts can come in the form of an email, text, or push notification from either Alarm.com or Total Connect 2.0, a call from the monitoring station, or both. With a Z-Wave or WIFI thermostat you can adjust the temperature when the HVAC system is working, or contact an HVAC service technician when it isn't.

Some of the devices listed in the table above combine freeze and flood sensing into a single unit. Of course, avoiding the presence of water in a location where it shouldn't be is optimal, but in some cases, it may not be possible. Flooding isn't always the result of freezing water pipes. With a flood sensor, you can be alerted to these situations and then take action accordingly. Alarm Grid offers a variety of both wired and wireless flood sensors. Some are listed above. Those and others can be found here.

If you can't control what's happening with the temperature in a location, then the next step in avoiding flood damage is controlling the flow of water. If you have a water shut-off valve within the building, then a Z-Wave water valve is just the thing you need to save the day (and a good deal of money). Once you receive a notification that a freeze condition is possible, or that a flood situation is underway, with Alarm.com or Total Connect 2.0 service, you can either set up a scene to automatically shut off the water within the premises, or you can manually log in and do so remotely.

With a combination of freeze and flood sensors, and a Z-Wave Water Valve, you can anticipate potential low-temperature flooding issues, be alerted to non-freeze-related flooding issues, and either automatically or manually turn off the water before damage occurs. Check with your homeowner's insurance agent to see if there are any discounts available on your policy if you add freeze and/or flood protection with an automated water shut-off option. You may be surprised at how quickly this equipment can pay for itself, even if you never have to use it.

*Statistics are taken from the Insurance Information Institute at iii.org.

**Qolsys Panels come in a variety of versions. All IQ Panel 2 Plus and IQ Panel 4 versions support PowerG wireless sensors. Then in addition, there are versions that support 319.5 MHz wireless, including S-Line Sensors. There are also versions that support 345 MHz wireless and 433 MHz wireless. When purchasing a Qolsys panel, or a sensor that will be used with a Qolsys panel, be sure to match the receiver type with the sensor type. Panels that support 319.5 MHz come in a box with a Gold stripe. Panels that support 345 MHz sensors come in a box with a Silver or Gray stripe, and those that support 433 MHz sensors have a Red stripe on the box.