52 water events caught by verified patrols. Insurance premiums down 29%.
626-unit condominium: 52 leaks caught by verified patrols on floors with no leak sensors, and premiums down 29%.
- Building
- 626-unit, two-tower high-end condominium, urban Ontario
- Period
- 12 months (reported January 2025)
- Environment
- Residential
- For
- Owners, boards and developers, Property and facility managers
What the building was facing.
Premiums were rising and water incidents were increasing. Leaks were usually found after the damage was done. Patrols of mechanical rooms and plumbing corridors were irregular and undocumented, so the board had no proof of due diligence to support a claim or to argue for a lower premium.
From signal to record.
01
The building's leak sensors covered only the ground floor and amenities. On the residential floors, every result came from staff on patrols verified with ARMS.
02
Required verified patrols of the areas most prone to water damage: HVAC closets, plumbing chases and shared laundry rooms.
03
Staff triaged concerns such as moisture, unusual sounds and minor leaks inside ARMS, flagged by severity.
04
Held staff to patrol performance standards so key areas were not missed.
05
Every patrol and response was time-stamped, creating a record insurers and lawyers could rely on.
What changed.
52 water-related events on the residential floors were found by staff on verified patrols and handled before significant damage occurred, with no leak sensors on those floors.
No major water-related claims were made in the 12 months.
The insurer accepted ARMS patrol logs and mitigation records as evidence of structured risk management.
The board negotiated a 29% reduction in the annual premium.
You do not need leak sensors on every floor to catch leaks early. You need patrols you can prove. And when risk is documented, it becomes negotiable.
What this case shows
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