Non-Weather Water for Commercial Property

Discover a predictive model that estimates the likelihood of water damage at the property level—giving underwriters a clearer view of risk before losses occur.

Seeking a smarter way to assess water damage risk?

Non-weather water claims outnumber fire claims by as much as 60 to 1, with annual commercial losses topping $16 billion. Water damage risks are hard to underwrite and among the fastest to escalate. Slow detection of leaks in commercial buildings can drive rapidly escalating damage in as little as an hour, and delayed response can compound property and business interruption losses.

Powered by advanced analytics and industry data

Delivered through both web-based reports and API integration, the Non-Weather Water Score provides a simple, consistent way to evaluate non-weather water exposure across commercial portfolios. Advanced machine learning techniques translate these inputs into a calibrated, property-specific risk score—enabling more accurate underwriting decisions. It’s built from 60+ variables, including:

Historical claims data

Gain a clearer view of property-level risk with data-driven insights that help reveal how exposure may change over time.

Building characteristics

Assess how building attributes may influence non-weather water exposure, helping underwriters evaluate risk more consistently across commercial properties.

Occupancy information

Understand how occupancy patterns and property use can affect the risk of hidden water issues, delayed detection, and loss severity.

Permit and exposure data

Incorporate permit activity and exposure indicators to help identify properties where changing conditions may signal elevated water damage risk.

Designed for commercial underwriting decisions

Changing occupancy patterns are introducing new vulnerabilities in commercial properties. Buildings with vacant or underutilized spaces allow water issues to go unnoticed, increasing the potential for severe damage. Untrained personnel and delayed response times further extend loss severity—making proactive risk identification critical. Get the risk information you need.

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Features and capabilities

Risk score

Differentiate non-weather water risk with a property-level score from 0 (lowest relative risk) to 100 (highest relative risk).

Seamless delivery

Integrate water risk insight through a downloadable report delivered via web, batch or API.

Related resources

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Brochure

See water damage risk before it strikes

Verisk's predictive score helps underwriters spot hidden non-weather water exposure at the address level — turning one of commercial property's fastest-growing loss drivers into a clear, actionable number.

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