Flume Deductible Coverage Terms

Flume Deductible Coverage Program

 Flume is committed to helping homeowners reduce the risk and cost of water damage. If you install and properly use a Flume Smart Water Sensor provided through your insurance carrier’s loss prevention program, and still experience property damage as a direct result of a water supply line leak, Flume will reimburse you for the amount of your homeowner’s insurance deductible, up to a maximum of $1,000, subject to the terms and conditions below (the “Program”). 

Eligibility Requirements

You will qualify for reimbursement under the Flume Deductible Coverage Program if all of the following conditions are satisfied:

1. Program Enrollment & Installation
   • You enrolled in a loss prevention or water monitoring program offered by your insurance carrier, through which you received a Flume Smart Water Sensor at no cost.
   • You installed your Flume device within 10 calendar days of delivery.
   • The coverage period begins on the date of installation and continues for 12 months thereafter.
   • Coverage applies only to the property address associated with your insurance policy and program enrollment.
2. Device Status & Configuration
   • At the time of the property damage:
     • The Flume device was properly installed in accordance with Flume’s installation guidelines and instructions.
     • The device was powered on, connected to Wi-Fi, and online (not offline or unpaired).
     • The Flume mobile app was installed on your smartphone and notifications were enabled.
     • You had completed the Home Profile within the app.
3. Leak Location
   • The water leak causing the property damage occurred after the Flume device’s measurement point (for example, after the water meter).
4. Insurance Requirements
   • At the time of the property damage:
     • You were the named insured (or otherwise qualified insured) on an active homeowners insurance policy issued by a company licensed in the U.S. state where the damage occurred.
     • The covered property was used for residential purposes only.
     • You reported the property damage to your insurance carrier within a reasonable period of time.
   • After the property damage:
     • You provided Flume with a copy of your insurance company’s written claim report.
     • You provided documentation (e.g., statement of loss or correspondence) showing:
       • The insurance company paid a portion of the claim, and
       • A deductible amount was applied and not waived.
     • You granted Flume written permission to verify this information directly with your insurance company.
5. Coverage Limitations
   • Flume will reimburse only up to the actual deductible amount applied, and no more than $1,000 per property damage loss.
   • Only one reimbursement may be issued per device during any 12-month coverage period.
   • This program does not apply to:
     • Damage from non-plumbing or non-supply-line water sources (e.g., roof leaks, flooding, appliance overflows, groundwater intrusion).
     • Damage occurring before installation or after the 12-month coverage period expires.
     • Properties used for commercial or business purposes.
6. Claim Submission
   • Claims must be submitted by email only to reimbursement@flumewater.com.
   • Postal mail submissions will not be accepted.
   • The email must include:
     • Your full name, installation address, and date of installation.
     • Proof of enrollment in your insurance carrier’s program and date of device delivery.
     • The insurance company’s written report.
     • Documentation of deductible application.
     • Written permission authorizing Flume to verify claim details.

General Terms

• This program is voluntary and subject to change or termination by Flume at any time without notice.
• Updated terms, if any, will be posted on Flume’s website and will indicate the last revised date.
• Continued use of your Flume device after such updates constitutes acceptance of the revised terms.
• This coverage does not replace homeowners insurance and is not an insurance policy.