Causes and Types of Water Damage
Water damage can occur from a variety of sources, including:
- Flooding from natural disasters or burst pipes
- Leaks from appliances or fixtures
- Condensation or faulty roofing
- Groundwater seepage
The type of water can also affect the severity of the damage:
- Clean Water: originates from a potable source, such as a broken water main or a burst water pipe. It poses a low health risk and typically causes only minimal damage.
- Gray Water: originates from a non-potable source, such as a sink or dishwasher. It contains harmful bacteria and can cause more extensive damage and health risks.
- Black Water: originates from a contaminated source, such as a sewer drain or floodwater after a natural disaster. It is highly hazardous and requires immediate professional attention.
What is the Legal Definition of Water Damage?
According to the insurance industry, water damage is defined as “damage to property caused by the accidental discharge or leakage of water or steam from within a plumbing system, heating system, or appliance.”
This definition includes:
- Flooding caused by burst pipes
- Leaks from faucets, toilets, and other fixtures
- Damage from malfunctioning water heaters or boilers
- Condensation or moisture buildup
It is important to note that water damage is typically covered by homeowner’s or renter’s insurance. However, the coverage may vary depending on the specific policy.