Water Damage: Understanding the Causes and Types

Causes of Water Damage

Water damage can result from various sources, including:

• Leaking pipes
• Faulty appliances
• Flooding
• Heavy rainfall
• Storm surges
• Condensation

Types of Water Damage

Water damage is categorized based on its source and severity:

• Clean water damage occurs when water from sanitary sources (e.g., sink, shower, washing machine) leaks or floods.
• Grey water damage involves water contaminated with bacteria or pollutants from sinks, toilets, or dishwashers.
• Black water damage is the most severe and arises from sewage lines, septic tanks, or contaminated sources.

Legal Definition of Water Damage

The legal definition of water damage varies by jurisdiction, but generally refers to physical harm caused by excess moisture:

• Deterioration to building materials, such as drywall, flooring, and roofing
• Damage to personal belongings, including furniture, electronics, and clothing
• Loss of functionality or value of the property