Water Damage
Water damage describes a large number of possible losses caused by water intruding where it will enable attack of a material or systems by a destructive processes such as wet/dry rot, rusting of steel, de-lamination, staining, cracking, settling and many, many others.
The damage may be imperceptibly slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as flooding. However fast it occurs, water damage is a very major contributor to loss of property.
Water damage can originate from different sources such as: domesticated water from broken dishwasher hose, washing machine overflow, dishwasher leakage, broken pipes, clogged toilet, or weather related damage from roof leaks, drainage problems and/or flooding. It is imperative that a nexus between the water damage and the proximate cause of that damage be investigated, evaluated and reported on to properly apply coverage. [e.g. frozen plumbing line allowed water to escape and damage the floor versus deteriorated plumbing line caused plumbing line to fail which allowed water to escape and damage the floor]
Information provided by HAAG Education