Proof · the Water Containment Report
Cited. Dated. Checked. Approved by people.
The Water Containment Report shows what a building can prove about water — and what it can’t yet. Scores come from rules applied to the record. Every claim opens its source. A checker recomputes the arithmetic, and a person approves.
01 · The Water Containment Report
110 Central Park South’s report, revision 05: the score and band, the evidence behind each category, the single point of failure, defects, actions and the checker’s verdict. Shown with the owner’s agreement; the CARS scores are illustrative. The numbered notes show how an underwriter reads it.
Not provisional. 10% of the CARS weight rests on a category with nothing on record — recovery and restoration, with no partner on contract. The provisional flag rises at 25% — and prints its reason.
CLEO’s own reading, kept beside each rule score. A gap of 15 points or more is flagged for a person. Only evidenced defects cost points; categories with nothing on record are marked and count toward the provisional flag.
Costs are the plan’s capex estimates where it gives one. Seven actions in all; every one lands for a person to review.
02 · CARS — the CriticalAsset Risk Score
CARS scores the questions an underwriter asks about water, in plain language. The weights are fixed and published; the overall is the weighted sum, rounded, and its band follows from the number.
CARS bands
03 · How a score is made
The published scores are CARS rules applied to the building’s record — in code, not from a model. AI reads and writes; a checker recomputes; a person approves.
Approved, cited facts: plans, assets, feeds, documents, work orders and the walk.
CARS rules score each category from the record. Fixed weights. Only evidenced defects cost points.
CLEO writes the narrative, defects and actions. Its own reading sits beside each score; gaps of 15+ are flagged.
Score and band recomputed, every citation resolved, invented identifiers rejected, operating instructions withheld.
A named person approves each claim, with a timestamp. AI only advises; nothing is approved for your client.
The flag rises when 25% or more of the CARS weight rests on categories with nothing on record — and the report prints why.
Before drawings and the walk60%
After plans, work orders and the walk · revision 315%
Share of the CARS weight resting on categories with nothing on record. The score moves when evidence is captured — never by assumption.
The rules publish the score. CLEO’s own reading stays beside it, and a gap of 15 points or more goes to a person.
Too much of the weight rests on nothing on record. The report says so, and why.
A valve, a document or a requirement changed. A re-run refreshes it; an old judgement is never re-dated.
A sentence failed the checker. It stays out of the published text, kept with its reason.
Raised, not proven. Labelled as such, and never scored until the record evidences it.
MAX rules each claimed control sufficient or insufficient against the records it cites; a control with no resolvable citation is ruled insufficient by code.
04 · Evidence states
Three states, never blended. A hypothesis is labelled a hypothesis.
A photo, a drawing or a record — with a source that opens and a person who approved it.
Two water mains reported, one documented. The gap stays open until evidence or a reviewed correction closes it.
Shown as an open item — never read as a clean result. It counts toward the provisional flag.
Real screens · the CriticalAsset app
Anatomy of a claim
05 · Better terms
Evidence doesn’t set terms. It gives you something to ask with. These are the four a water-heavy account can put on the table — and the carrier decides.
The Hartford, quoted in Risk & Insurance · 2023 6
“Based on individual risk characteristics, you might have a separate $50,000 water damage deductible, or even a separate $100,000 water damage deductible, along with a $25,000 AOP — all other peril deductible.”
For well-documented risks with strong mitigation, CRC sees builders-risk water deductibles trending to about $100K, down from $150K–$250K. 7
Shutoffs located, photographed and placed; which valve isolates what; after-hours access on record.
Isolation controlPhysical accessSOP / curtailmentEvery water asset on record, what feeds what, and where a leak would — and wouldn’t — be noticed.
Asset graphFed-from / fed-toDetection coverageA restoration partner on contract with an agreed arrival time, a response that has been rehearsed, and what it needs power for.
Recovery & restorationTabletop / trainingPower dependencyInspections and service actually done, detection where it is installed, and a dated record that stays fresh.
Maintenance executionTime-series evidenceThe carrier decides the terms.
06 · Data access
The report is structured data first: JSON with a published JSON Schema, with Markdown and PDF rendered from the same record.
report.jsonexcerpt
{
"report": "Water Containment Report",
"building": "110 Central Park South",
"cars": {
"score": 85,
"band": "AA",
"provisional": false
},
"evidence": {
"verified": 5,
"partially_verified": 4,
"not_evidenced": 2
},
"citations": { "published": 12, "resolving": 12 },
"approved_by": "a named person, timestamped"
}Field names simplified · the full report follows its published JSON Schema
07 · Market evidence · attributed
Every figure below carries its source and year, numbered to the list that follows.
of losses in finished facilities came from liquid damage, 2012–2022 — the number one cause in the sector.
FM · Broker Insights · 2025 1
Leaking pipes and equipment are more than twice as likely as fire to damage a business.
FM · 2026 2
of all property insurance losses come from non-weather water; water damage is the #2 cause of commercial property loss.
Travelers claim data, 2019–2023 3
Chubb claims · 2021 5
Chubb’s top 10 sources of interior water damage in commercial buildings, as a share of all commercial water-damage claims.
Our sum of Chubb’s ten shares, which together cover 90% of claims: 62% come from sources with a line, a tank or a valve to find — toilets, sprinklers, water heaters, HVAC, boilers, tanks and mains. Roofs, vacancy and sewer backup add 28%; the other 10% come from sources outside the top 10. FM adds that nearly 9 in 10 liquid-damage claims come from lighter occupancies with pipes behind finished interiors. 2
Published claim · hospital
$2.5MA chilled-water fitting failed in a hospital and leaked unnoticed over a weekend. When staff tried to stop it, the shutoff valve was corroded. Records were offline for two months.
Knowing which valve — and that it works.
FM · 2026 2
Published claim · office high-rise
$6.5MA valve coupling failed on the 16th floor of a 21-storey office tower. Water ran for at least an hour, down to the basement. About six months of business interruption.
Minutes to the right valve decide the floors.
Chubb Risk Engineering · 2020 4
“Carriers … are increasingly pushing back on frequency-driven, attritional losses such as water damage” — with better outcomes for “well-documented risks with strong mitigation measures.”
“It is critical that our clients present submissions with strong data quality and can demonstrate good risk quality in order to attract capacity and better terms.”
“Accurate location data, BI worksheets, business continuity planning, and robust CAT modeling and engineering data remain critical to securing optimal capacity and pricing outcomes.”
Gaps CNA found in its customers’ water losses:
- key equipment “not readily accessible”
- plans that “did not consider the time needed to shut off and stop the water during unoccupied hours”
- contractors “not properly trained on the location of key equipment or shut-off valves”
A softening market. US commercial property rates fell 13% in Q2 2026 — the eighth straight quarter of global declines. 11 Water stays the exception — and documentation is how a risk stands apart. 7
Sources
Every market figure and quote on this site comes from these published sources, each attributed with its year.
Send one address. We research the building, start its record and book the free Emergency Controls Report walk — then hand you evidence to take to market.