Leakage issues have received increasing attention as the most common and significant source of complaints in residential construction quality problems. In this study, based on the classification of residential construction leakage problems, 1947 water spray tests and 2333 water storage tests were conducted on 18 construction projects. An empirical analysis of 432 leakage cases was conducted to determine the loss law for a single leakage point as well as the loss laws for different grades of leakage problems. Through empirical analysis, it can be concluded that more than 90% of the leakage problems are third-level. To better understand the quantitative law of the residential construction leakage problem, a total loss law model was developed. Finally, the law of leakage loss in residential construction is summarized, and measures to reduce leakage loss in residential construction are proposed. This research can provide a theoretical basis and model tools for inherent defect insurance and help insurance companies control insurance risks and drive the promotion of inherent defect insurance.