Sign in to Fortress OSAccidents happen. We handle the mess.
Cover resident-caused damage without the busywork.
Protection. Simplified.
Accidents happen. This is the part that doesn't have to hurt.
Damage protection, built in
Cover qualifying resident-caused damage, from fire and water to smoke and sewer backup, up to $100,000 per incident.
Residents enroll on their own
Everyone is enrolled at move-in or renewal, so coverage never has a gap and nobody slips through.
No more chasing insurance
Stop tracking renters liability policies and hounding residents for renewals. The program carries it.
Claims without the runaround
Submit a claim, attach photos, and get approved damage reimbursed. No paper forms, no phone tag.
One predictable line item
Simple per-unit pricing that bills right alongside rent, so costs stay flat and easy to forecast.
Revenue, not just a cost
Turn protection into ancillary revenue while you cut down on resident-caused losses.
From enrollment to active coverage
Damage Waiver Program
Portfolio setup
Per-unit price, billed with rent
$12 / unit / mo
The community enrolls once.
The property joins the Fortress Damage Waiver Program at a flat per-unit price that bills right alongside rent. Set it once for the whole portfolio.
Residents enroll automatically.
Every resident is enrolled at move-in or renewal, so nobody slips through the cracks and coverage never has a gap.
Protection kicks in.
The property is covered for qualifying resident-caused damage, up to $100,000 per incident, including fire, water, smoke, and sewer backup.
From damage to reimbursement
Unit C-302 · Water damage
Damage gets reported.
When something breaks, the resident reports it and adds photos in a few taps. No paper forms, no phone tag.
Repairs happen. A Notice of Loss is filed.
The onsite team completes repairs and files a Notice of Loss with documentation attached, right where the claim lives.
See maintenance workflowsThe claim is reviewed and paid.
Fortress reviews the claim and reimburses approved damage, so the money lands back with the property instead of the write-off column.
See how billing connectsWhat changes when risk gets simple
Less exposure to losses
Fewer resident-caused damages land in the write-off column.
Less admin for onsite teams
No insurance tracking, no renewal chasing, no additional-insured busywork.
Compliance without gaps
Automatic enrollment keeps every unit covered by default.
A new revenue line
Protection doubles as ancillary revenue across the portfolio.
What is the Damage Waiver Program?
It protects apartment communities from qualifying resident-caused property damage, with coverage up to $100,000 per incident. The property enrolls once, and residents are enrolled automatically at move-in or renewal.
Is this renters insurance?
No. The Damage Waiver Program is not renters insurance. It does not cover residents' personal belongings or personal liability. It protects the property from qualifying resident-caused damage.
What types of damage are covered?
Qualifying damage may include fire, smoke, explosion, water damage, sewer backup, and falling objects caused by residents or their guests.
Are residents automatically enrolled?
Yes. Residents are enrolled at move-in or lease renewal based on the property's participation, so there are no coverage gaps to chase.
How are claims handled?
The onsite team submits a Notice of Loss with supporting documentation. Approved qualifying damage is then reimbursed through the claims process. It all runs on the same platform as the rest of your operations, so nothing lives in a separate tool. See how Fortress Core connects the work.
Are intentional acts covered?
No. Intentional or expected acts of damage are excluded from the program.