Water Damage: Causes, Types, and Legal Definitions

Causes of Water Damage

Water damage can occur due to various factors, including:

• Pipe bursts and leaks
• Roof damage or leaks
• Flooding caused by storms or natural disasters
• Appliance malfunctions (e.g., dishwasher, washing machine)
• Toilet overflows or leaks

Types of Water Damage

Water damage is typically categorized into three types:

• Category 1: Clean Water Damage

  Caused by water from a clean source, such as a burst pipe or leaking appliance.

• Category 2: Gray Water Damage

  Caused by water contaminated with biological matter, such as sewage backup or dishwasher overflow.

• Category 3: Black Water Damage

  Caused by water contaminated with severe biological hazards, such as standing floodwater or sewer backflow.

Legal Definition of Water Damage

The legal definition of water damage varies depending on jurisdiction. However, it generally refers to:

Damage to property caused by the accidental discharge or accumulation of water from a source other than external flooding."

This includes damage caused by:

• Leaking pipes
• Burst water heaters
• Faulty appliances
• Basement flooding

Insurance policies typically cover water damage. It is crucial to consult your insurance provider to understand the specific coverage terms and exclusions.