Understanding Flo’s FloProtect Deductible Guarantee

Posted on 22/10/2020 by Gabriel Halimi

Please note: The FloProtect Plan discussed in this article has changed since this blog article was originally published. For up-to-date information on Flo by Moen's optional FloProtect Plan, please click here

After many years of work, the initial results from our diverse customer base are in.  And, we’ve proved our initial hypothesis: Flo’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 Flo System 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 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’s responsibility is to help protect your home from catastrophic water damage. Your responsibility is to take full advantage of Flo’s enhanced offerings in FloProtect and actually use them to maintain your water system.  If you fix the issues that Flo points out and your home still suffers catastrophic water damage, then you shouldn’t have to pay out of pocket; that’s on Flo. That means Flo will reimburse you for your out-of-pocket homeowner’s insurance deductible (up to the cap).

But to avoid confusion here’s some things Flo won’t cover:

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

 water damage that couldn’t have been prevented by Flo.  Flo covers things down the water supply line from the installation of the Flo device.  So if you install the device after the sink in your garage, and that sink leaks, Flo wasn’t designed to catch that.  So please follow the installation guidelines.

 water damage that’s 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 reimburses for your out-of-pocket homeowner’s insurance deductible, not any and all water damage. For example, if your pipe bursts and Flo automatically shuts off the water, but only after water caused $150 of damage to your carpet, Flo won’t reimburse you. Why? In this case, Flo 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 Flo system is properly installed, and you maintain homeowner’s insurance

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

 You’ve enabled all of your Flo 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 water system as soon as possible

Now, enjoy your peace-of-mind.  Water damage is the leading cause of preventable homeowner’s insurance claims every year, and Flo 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 them at your fingertips.  

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



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