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Water Damage: Causes, Types, and Legal Definition
Causes of Water Damage
- Plumbing failures (e.g., burst pipes, leaking faucets)
- Roofing issues (e.g., torn shingles, clogged gutters)
- Foundation leaks (e.g., cracks, seeping water)
- Natural disasters (e.g., hurricanes, floods)
- Household accidents (e.g., overflowing sinks, bathroom leaks)
Types of Water Damage
- Category 1: Clean water that does not pose a health risk (e.g., broken pipes, overflowing sinks)
- Category 2: Gray water that contains microorganisms and may cause illness (e.g., dishwasher leaks, washing machine overflow)
- Category 3: Black water that contains sewage or other hazardous materials and requires professional cleanup (e.g., sewage backups, floodwaters)
What is the Legal Definition of Water Damage?
Water damage is defined as physical damage to property caused by the presence of water, where the water originated from a source within the property or from an outside source. It includes damage to structural components, fixtures, and personal belongings. The legal definition of water damage can vary slightly depending on the jurisdiction.
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