Causes of Water Damage
Water damage can occur due to various circumstances, including:
- Natural disasters (e.g., hurricanes, floods)
- Plumbing leaks
- Roof damage
- Appliance malfunctions
- Poor drainage
Types of Water Damage
Water damage is categorized into three main types:
- Category 1: Clean Water
- Category 2: Gray Water
- Category 3: Black Water
Category 1: Clean Water
Clean water damage involves water that is considered “clean,” such as from a burst pipe or leaking faucet. It poses minimal health risks.
Category 2: Gray Water
Gray water damage results from water that is slightly contaminated, such as from a washing machine or dishwasher overflow. It can contain bacteria and other pathogens.
Category 3: Black Water
Black water damage involves water that is heavily contaminated with sewage, bacteria, and other dangerous substances. It poses a significant health risk.
Legal Definition of Water Damage
Legally, water damage refers to any physical or structural damage to property caused by the intrusion of water or moisture. This can include damage to walls, ceilings, flooring, furniture, and appliances.
It is important to note that the legal definition of water damage may vary slightly from state to state. However, in general, it is recognized as a covered peril under most property insurance policies.