The evaluation discovered that water and freezing harm accounted for roughly 22% of small-business claims over the five-year interval, with a mean price of $34,600 per declare, rating because the fourth costliest kind of declare. Hearth claims, by comparability, averaged $80,000 in 2025, making them the top-ranked costliest declare, up from $35,000 in 2015 (about $47,600 adjusted for inflation).
