Understanding Flo by Moen's FloProtect Deductible Guarantee
Flo by Moen Leak Detection New Homeowner

Understanding Flo by Moen's FloProtect Deductible Guarantee

Gabe Halimi
Gabe Halimi
Gabe Halimi

After many years of work, the initial results from our diverse customer base are in. And, we’ve proven our initial hypothesis: Flo by Moen Smart Water Shutoff’s proactive technology is dramatically reducing the likelihood of catastrophic water damage in homes across the country! We are so confident in the effectiveness of the Smart Water Shutoff that we’re going to stand behind you, our customer, in an unprecedented way.

As part of the FloProtect program, we are going to guarantee your homeowner’s insurance deductible for water damage. I’m really excited to share the specific details of this program with you.

I’m a deep believer in transparency and trust. You should know exactly what you’re getting and not getting from this program. So, aside from the terms and conditions our lawyers approved, here’s some plain speak from me:

Our Goal:

Flo by Moen’s responsibility is to help protect your home from catastrophic water damage. Your responsibility is to take full advantage of the Flo by Moen's enhanced offerings in FloProtect and actually use them to maintain your Smart Water Shutoff. If you fix the issues that Flo by Moen points out and your home still suffers catastrophic water damage, then you shouldn’t have to pay out of pocket; that’s on us. That means Flo by Moen will reimburse you for your out-of-pocket homeowner’s insurance deductible (up to the cap)!

But, to avoid confusion, here are some things Flo by Moen will NOT cover:

-water damage caused by anything other than your home water system.  Flo by Moen covers your water supply line, so it can’t prevent damage caused by weather-related floods, rains, sewer backups, or your son deciding to water your living room rather than the lawn… you get the idea.

-water damage that couldn’t have been prevented with Flo by Moen.  Flo  by Moen covers things down the water supply line starting from where the Smart Water Shutoff is installed. So, if the Shutoff is installed after the sink in the garage and that sink leaks, it will not catch that simply because it was not designed to. Please follow the installation guidelines.

-water damage that is not covered by your homeowner’s insurance policy.  In order to get reimbursed, you need to actually file a homeowner’s insurance claim, pay out-of-pocket for your deductible, and the claim needs to be covered by your homeowner’s insurance.

-water damage that’s not catastrophic.  Flo by Moen reimburses for your out-of-pocket homeowner’s insurance deductible, not any-and-all water damage. For example, if your pipe bursts and Flo by Moen automatically shuts off the water, but only after water caused $150 of damage to your carpet, Flo by Moen won’t reimburse you. Why not? In this case, the Shutoff did its job and protected your home from catastrophic water damage that could have happened as a result of the burst pipe.

Now, here are some things you NEED to ensure to maintain eligibility:

-Your Smart Water Shutoff is properly installed, and you maintain homeowner’s insurance.

-You’ve subscribed your Shutoff to FloProtect, you are under product warranty, and your system is online.

-You’ve enabled all of your Flo by Moen App alerts and for all levels of leaks.

-You’ve enabled automatic shutoff of the water, and remotely shut off the water when necessary to minimize damage.

-Address all alerts (don’t ignore or snooze alerts) and maintain your Shutoff as soon as possible.

For more details, see the terms and conditions here.

Now, enjoy your peace-of-mind. Water damage is the leading cause of preventable homeowner’s insurance claims every year, and Flo by Moen is here to help prevent them! If you need help, don’t hesitate to use Flo Support. They’re awesome, here to help and, with FloProtect, you have access to them at your fingertips.

If you have questions or concerns, reach out to me directly. I’m here to help too.