Escape of Water assessments

Preventing costly damage through proactive risk management

Escape Of Water (EOW) Assessments Home Household Water Damage (13)

Escape Of Water (EOW) Assessments Home Household Water Damage (19)

Protecting properties from the high cost of water damage

Escape of Water (EOW) is one of the most frequent and costly causes of property damage, with insurers paying out over £1.8 million every day. Beyond repair bills, EOW often leads to lost rental income, prolonged drying times, relocation expenses, business disruption, and liability issues particularly in properties with complex or poorly maintained water systems.

That’s why Clear Insurance Management partners with Zurich Resilience Solutions (ZRS) to offer structured EOW risk assessments. Their approach helps property owners strengthen resilience, reduce claims, and minimise the financial impact of water damage.

Clear clients benefit from preferential rates on these services.

Escape Of Water (EOW) Assessments Home Household Water Damage (11)

Why it matters?

EOW incidents can be prevented or mitigated with proactive risk management. A professional assessment provides:

Identification of vulnerabilities in water, wastewater, and heating systems

Practical recommendations to reduce the risk of claims

Greater resilience for property owners and residents

Evidence of active risk management for insurers

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About Zurich Resilience Solutions (ZRS)

ZRS is the risk advisory division of Zurich Insurance Group. Their services extend beyond traditional insurance, helping property owners:

Identify vulnerabilities in infrastructure
Reduce frequency and severity of claims
Strengthen compliance through structured water management plans

Zurich Resilience Solutions

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Services available

Site Risk Assessments
On-site reviews of asset vulnerability
Evaluation of protection measures
Water management plan checks and monitoring
Tailored recommendations to avoid both major and minor losses
Portfolio Risk Reviews
Multi-site or single-site assessments
Claims history and benchmarking
Maintenance and water management reviews
Clean and wastewater flow analysis
EOW Assessments
Full inspection of water, wastewater, heating, and grey water systems
Pre-visit management plan questionnaire
Onsite visual assessment of pipework, joints, valves, plant rooms, and risers
RAG-rated report (Red, Amber, Green) with timescales for remedial action

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Case studies

Improving stop tap access

A luxury property with multiple flats faced repeated EOW losses because residents couldn’t locate or access stop taps, hidden behind ornate ceiling panels. Installing floor-level stop taps with centralised records and resident training cut costs and reduced claim severity.

Mapping an unrecorded water system

In a block of 98 flats with shops on the ground floor, lack of system knowledge made leak repairs high-risk. A mapping project was launched to document the system, install controls, and provide access points reducing disruption and supporting future insurance renewals.

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What to expect

An EOW assessment combines onsite inspections with management plan reviews. Requirements include:

Access to all water-related areas (plant rooms, basements, risers)

Property plans, drainage schematics, and maintenance records (if available)

The outcome: a clear, actionable report to reduce water damage risks and demonstrate proactive management to insurers.

Get started

If your building has experienced EOW incidents, or you want to reduce future risk, you can arrange a tailored assessment through our partnership with Zurich Resilience Solutions (ZRS).

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