Water damage can occur due to various reasons, both internal and external to a structure. Some common causes include:
– Leaking pipes or appliances
– Roof leaks
– Flooding
– Condensation
– Sprinkler system malfunction
– Broken water fixtures
– Sewage backups
Water damage is often categorized based on the source of the water and the extent of damage. It can be classified into:
– Clean Water Damage: Caused by uncontaminated water sources, such as a broken water pipe or overflowing sink.
– Gray Water Damage: Results from water containing contaminants, such as laundry waste or dishwasher discharge.
– Black Water Damage: Stems from highly unsanitary sources, like sewage or floodwater that may contain bacteria and other contaminants. This type requires immediate professional remediation.
The legal definition of water damage varies in different jurisdictions. Generally, it refers to physical damage to a property caused by the accumulation or penetration of water from an external or internal source. It may include damage to building materials, furnishings, and personal belongings.
Insurance policies often provide coverage for water damage. It is essential to understand the specific terms and exclusions of an insurance policy to determine the extent of coverage for water damage.