Water, water everywhere — and it can bring your entire construction project to a halt. Rain can enter a structure through openings in the roof and unfinished windows, plumbing systems can leak when tested, and flood waters can appear when snow melts.
Water damage is a significant cause of loss to buildings under construction. It can ruin interiors, spur mold growth, damage electrical equipment, and cause slip-and-fall accidents.
Even when insurance applies to a loss, contractors often pay some costs out of pocket in the form of deductibles, debris removal above policy limits, and income lost from delays. For projects near bodies of water or tidal areas, consider specialized coverage such as Marine Construction Insurance to address unique flood and surge risks.
Prevention begins before construction does.
- Develop a quality control program, if one does not already exist, and revise it based on past experience.
- Review building plans and specifications for areas susceptible to water infiltration, such as plumbing runs, roof flashing, and foundations.
- Evaluate materials for vulnerability to water damage and their effects on building systems.
- Schedule testing of systems that use water early in the project before much finish work is installed.
During the construction process, a number of steps can help prevent water damage, including:
- Establish a team to track, monitor, and repair actual and potential water problems.
- Track and resolve all water issues at least weekly.
- Test for problems frequently and resolve any discovered issues quickly.
- Delay installation of finishes until all building openings have been enclosed.
- Inspect work to ensure it meets specifications.
- Cover finishing materials stored inside the building with water-resistant coverings.
The contractor should test the roof for leaks upon its completion and keep the roof free of scrap and unused materials. Monitor for the development of low spots and correct any that are detected as soon as possible.
Automatic sprinkler systems should be tested both for functionality and leakage, and any problems should be addressed immediately. Before letting water into piping, conduct air pressure tests and monitor for pressure loss.
When piping is charged with water, do so one area of the building at a time so each segment can be evaluated and no large discharges are overlooked. Have the piping monitored for several hours after it is opened to water.
After construction is finished, continue tracking and resolving water issues on a weekly basis and address any problems quickly. If water damage occurs, take immediate steps to limit and mitigate further loss.
A contractor's insurance company might have technical experts who can assist with preventing water damage claims. Review available Insurance Options for Construction Projects to understand coverages and risk management support, and consult a broker about specific needs.
For contractors focused on reducing risk and protecting profitability, consider coverage and risk controls tailored to moisture and sealing issues, and explore resources like Waterproofing Insurance for Contractors when relevant.
If you need help assessing coverage or next steps, talk to an agent.
Frequently Asked Questions
How early should water-using systems be tested?
Test systems that use water early in the project, before much finish work is installed, to reduce risk to finished surfaces.
What immediate steps limit water damage after a leak is found?
Shut off the water source, remove standing water, dry affected materials, and document damage for repairs and insurance.
Should finishes be installed before the building is fully enclosed?
No; delaying finish installation until all openings are closed helps prevent damage from weather and construction testing.
How often should a team review water issues during construction?
Track and resolve water issues at least weekly and test frequently so problems are addressed quickly.
Can insurance companies help prevent water damage losses?
Yes; insurers often provide technical guidance and policy options that support loss prevention and recovery planning.