Real Chapter Case Study: How a Waiver Kept Recruitment on Track

This example shows how having a damage waiver in place can protect a chapter during a critical moment.

The situation

During a large recruitment event, an accidental plumbing issue on the second floor caused significant water damage. Estimated repairs totaled $75,000.

Without a waiver

The chapter would have faced an immediate emergency assessment of roughly $500 per active member. Repairs were delayed, alumni were frustrated, and the situation created unnecessary strain during recruitment.

With a waiver

The damage waiver covered the repairs. Members paid $300 annually for coverage, replacing individual renter’s insurance that previously cost about $350 per year. No emergency assessments were required, and repairs moved forward quickly.

The result

The chapter maintained a positive relationship with the landlord, recruitment continued without disruption, and officers avoided reputational and financial fallout.

The takeaway

A small, predictable annual expense prevented a major financial crisis and allowed chapter operations to continue as normal.

Want to see how a waiver could work for your chapter? Schedule a quick call to review real examples and coverage details.