1. “15% of small business claims are water + freezing damage” Stat to graph: 15% of all small business property and liability claims are driven by water and freezing damage (including burst pipes). Source: IMA Financial Group, May 10, 2024, citing The Hartford. IMA Financial Group Use label like: “15% of small business claims = water & freeze-related” Message: this is not niche. It is a core commercial loss driver.

https://imacorp.com/insights/insurance-insights-protecting-manufacturing-businesses-amidst-insurance-market-instability

2. “$500M+ in commercial water damage losses every year” Stat to graph: U.S. commercial real estate incurs about $500 million per year in weather and non-weather water damage losses, with water damage (including burst pipes after freezes) identified as a leading cause of commercial property losses across asset classes. Source: Risk & Insurance, July 26, 2023, using ISO and The Hartford data. Risk & Insurance Label: “$500M/yr in commercial water damage losses” Message: baseline yearly drag on profitability, before you even hit catastrophic freezes.

https://riskandinsurance.com/water-damage-is-a-leading-cause-of-commercial-real-estate-claims-how-sensor-technologies-help-mitigate-these-claims/?utm_source=chatgpt.com

3. “Freeze events create billions in insured losses, with a heavy commercial slice” Texas Great Freeze (case-study anchor): • 500,000+ property insurance claims. • About 10% were commercial property. • Total insured losses $10.3 billion. Cited in a Feb 5, 2024 Facilities Management Advisor piece referencing Texas Department of Insurance data. Facilities Management Advisor Graphable pull: • “$10.3B from a single prolonged freeze; ~50,000+ commercial claims” Message: one sustained freeze can generate a five-figure wave of commercial pipe and water claims by itself.

https://facilitiesmanagementadvisor.com/maintenance-and-operations/is-your-facility-prepared-for-the-next-big-freeze/

4. “A single winter storm: $2B+ hit to commercial insurers” Winter Storm Elliott (deep freeze impact example): • Impacted 42 states. • Analysts estimate it will cost the commercial insurance industry over $2 billion, driven heavily by frozen pipes and related water damage. web Graph label: • “$2B+ commercial losses from one winter storm (Elliott)” Message: one large Arctic outbreak is enough to materially move commercial carriers’ combined ratios.

Optional supporting proof points (short, but useful) You can use these as side-notes or callouts: • Philadelphia Insurance (Nov 9, 2023): “Frozen pipes are one of the most common commercial property claims.” Philadelphia Insurance Companies • Multiple 2023–2025 broker and carrier briefings (Mahoney Group, Risk Strategies, etc.) reinforce: water damage is now a leading cause of commercial property claims, often outranking fire and theft.

https://www.greatamericaninsurancegroup.com/about-us/division-contacts/property-inland-marine/pim-solutions/features/winter-storm-elliott-and-how-to-prepare-for-future-winter-storms