Digital Insurance Agenda

GROHE Sense solution: shift from water damage claims to active water security as a service

Written by Roger Peverelli and Reggy de Feniks - Founders The DIA Community on Feb 10, 2020

GROHE is a leading global brand for complete bathroom solutions and kitchen fittings. As an international brand, GROHE pursues the brand values of technology, quality, design and sustainability, seeking to offer the “Pure Freude an Wasser”. They developed GROHE Sense and GROHE Sense Guard, an App-controlled water security system for the residential segment to actively reduce the results of water damage. The combination of smart connected devices, intelligent device & cloud algorithms and the end user app create benefits for its users and allows GROHE to engage in new partnerships with insurers to jointly battle water damages.

GROHE Sense, the brand’s connected water security system, enables new and scalable business models for insurance companies, how to pro-actively reduce and eliminate water damage claims. 

Insurers’ biggest losses in the area of property insurance are water damage claims, totaling more than even fire and storm claims. Water damage itself is an underestimated risk. More than half of households in Europe have experienced water damage at least once. 93% of the cases could have been prevented.

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One of the largest rollouts of GROHE Sense system has taken place in Finland in cooperation with LähiTapiola insurance company. GROHE and LähiTapiola started the roll-out of GROHE Sense and Sense Guard, GROHE’s intelligent water security system in thousands of Finnish homes. By 2026, about 100,000 homes in Finland will be protected from water damage thanks to GROHE Sense and Sense Guard. 

New: quarantee for insurers
GROHES technical system delivers reduction in water damage events and thus reduction in claims. The solution for insurers is backed by a guarantee that quantifies how much in cost the insurer saves after implementation. Services offered to insurers are continually evolving to fit the real need of the industry. Latest offer to the insurers, is a guarantee that the product really delivers reduction in water damage claims.

GROHE Sense has received multiple design and innovation prizes, including the most prestigious ones: German Innovation Award Gold, IF Gold, Red Dot Winner.

GROHE sense team/ digital innovations

  • GROHE‘s team of Digital Innovations is a corporate start-up, which is responsible for building the market of the smart water security system. The products are innovative within the GROHE‘s product portfolio, opening up brand new opportunities for the company.
  • Focus on prevention of water damages brings not only financial savings to home owners and insurance companies, but also has a broader environmental and social impact by reducing the amount of wasted water, and triggering the consumers to think about changing their habits by regularly observing their water consumption.
  • The core team consists of 15 employees bringing together cross-functional expertise and is based in Düsseldorf.

How it works
GROHE delivers an end-to-end solution to insurer that enable shift from water damage claims to active water damage prevention. With leaking pipes, washing machines and boilers as well as flooded cellars water can cause substantial damage to a home and generates ever increasing payouts by insurers.

In Finland, LähiTapiola refuses to accept this inconvenient truth by introducing GROHE’s proactive water security system to their policyholders. In a large-scale roll-out the partners install the GROHE Sense water security system in thousands of homes of selected customers.

Why we selected Grohe for DIA Munich
Although water damage is the biggest risk to homes and causes more damage than fires or severe weather, only three per cent of all European households are equipped with a system for protection against water damage. The installation of GROHE Sense and Sense Guard will reduce the number of claims and the claim size for water damage and insurers. With GROHE Sense Guard, insures can offer their clients a valuable security service and a better experience with their business overall.

This solution is a significant game-changer for the home insurance business. Together with LähiTapiola they have established a blueprint for mass-scale rollouts of water security systems, limiting the risks for insurers. GROHES solution includes innovative services like training, installation, and data services.

GROHE helps insurers in implementing the product in a complete solution with a guaranteed ROI on the business case. At DIA Munich, Helmut Rieger, Global Business Development Manager showcased an end-to-end solution for insurers with a guarantee. The insurer can move forward and implement an innovation while eliminating the risks that most innovations are associated with.

Who is GROHE?
Founded in 1936 by Friedrich Grohe. Since 2014 part of Japan’s Lixil Group. They have a total of over 6,000 employees, 2,400 of which are based in Germany. GROHE products carry the seal of quality “Made in Germany”.

GROHE has collaborations with insurance companies in Finland with LähiTapiola, in Germany with VKB, Gothaer, HDI, Provinzial and Zurich, in Denmark with Alm Brand and Alka and in Sweden with Anticimex, Folksam and Länsförsäkringar.

GROHE offers an end-to-end solution for eliminating the biggest cost driver of the home insurance sector: water damage. This solution is a significant game-changer for the home insurance business.” Bert Depiere, Director Digital Innovations


GROHE Digital Innovations Insurer Sales Team
Helmut Rieger, Global Business Development Manager
Stefanie Kresse, International Business Development Manager
Claus Nielsen, International Business Development Manager
Christophe Soulard, International Business Development Manager

https://www.grohe.nl/nl_nl/

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