Water Damage: Causes, Types, and Legal Implications

Causes of Water Damage

Water damage can result from various sources, including:

• Burst pipes
• Leaky roofs
• Flooding
• Heavy rainfall
• Clogged gutters
• Condensation

Types of Water Damage

Water damage is categorized into two primary types:

• Clean water damage: Caused by clear or sanitary water sources, such as broken pipes or leaking sinks.
• Black water damage: Contaminated with harmful bacteria or sewage, posing significant health risks.

What is the Legal Definition of Water Damage?

Legally, water damage is defined as physical harm to a property caused by an unintended flow of water. This can include damage to the property’s structure, fixtures, contents, or any other materials affected by the water. In cases of water damage, it is essential to determine the source and responsible party to establish liability and coverage under insurance policies.