Non-Weather Water Risk Score for Personal Property

Identify hidden water damage exposure before it becomes a costly loss. Our Non-Weather Water Score predicts risk at the property level, so you can underwrite with confidence.

Why is non-weather water damage such a costly blind spot?

Non-weather water damage—burst pipes, failed appliances, slow leaks behind the walls—has become one of the most frequent and expensive claims homeowners insurers face. It accounts for an estimated 20-25% of all U.S. property insurance losses.

Damage often starts small and hidden, and can become costly before it is discovered. Traditional underwriting variables may not reveal meaningful differences in risk between otherwise similar homes.

Our Non-Weather Water Score surfaces this risk early.

A smarter way to assess non-weather water risk

The Non-Weather Water Score is a predictive model that estimates the risk of water damage at the property level. It translates complex property and local-area information into a simple 1 to 100 score that can support underwriting, rating, and portfolio decisions.

Improve underwriting consistency

Give every underwriter the same property-level view, so non-weather water risk is scored the same way on every home, without guesswork.

Reduce unexpected loss exposure

Surface hidden water risk before you bind, and price or route policies with a clearer picture of what a property is likely to cost you.

Prioritize loss control and inspection

Focus inspections and mitigation outreach on the homes that need them most, using a single score to rank risk across your portfolio.

What powers the Non-Weather Water Risk Score?

Advanced analytics, extensive property information, and deep industry insights—with 13+ years of actual water damage claims to validate the score.

Clear and consistent risk ratings

A single, easy-to-read score rates each home’s non-weather water risk from 1 to 100, so underwriters can act on it in seconds.

Validated against actual loss experience

The score is grounded in real-world loss results, helping confirm which combinations of factors meaningfully indicate non-weather water risk.

Flexible delivery

Pull scores through web-based reports or integrate them directly into your underwriting workflow by API, whichever fits how your team works.

Non-weather water risk: frequently asked questions

Get quick answers on how the Non-Weather Water Score works and how it fits into your underwriting.

What is non-weather water damage?

Non-weather water damage is any water loss that isn’t caused by a storm or weather event. Think burst pipes, failed water heaters and appliances, plumbing leaks, and slow seepage behind walls. It’s one of the most frequent and costly claims homeowners insurers face, and because it builds quietly inside the property, it often goes unnoticed until the damage is done.

What does the Non-Weather Water Risk Score measure?

The score estimates a property’s expected non-weather water loss potential. It considers both how often losses may occur and how costly they may be, then expresses the result as a simple 1 to 100 score. A higher score indicates higher expected risk.

How do underwriters use the score?

Underwriters use the Non-Weather Water Score to see risk earlier and price it more accurately. It brings consistency to personal lines underwriting, helps reduce unexpected loss exposure, and lets teams focus loss control and inspection efforts on the homes that need attention most.

Can the score integrate with our existing underwriting systems?

Yes. You can access scores through web-based reports, API or batch submissions. Only an address is required to receive a score.

Does it work with LOCATION?

It does. The Non-Weather Water Score works alongside LOCATION, Verisk’s suite of address-level risk solutions. Pair the two to view non-weather water risk next to natural hazard, fire protection, and community data for a fuller picture of every property.

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Do more with the Verisk ecosystem

The Non-Weather Water Score for Personal Property works hand in hand with LOCATION^®, Verisk’s suite of risk-specific, address-level solutions for property underwriting and pricing. Pair non-weather water risk with natural hazard, fire protection, and community data to see the full range of location-dependent hazards at every address, all in one place.