Water damage is a prevalent issue that can affect homes, businesses, and other structures, leading to significant financial losses and health hazards. It is essential to understand the causes and types of water damage to mitigate risks and respond promptly.
There are three main types of water damage, categorized based on the source of the water:
Caused by clean water from broken pipes, appliances, or rainwater, it poses a minimal health risk and requires prompt drying to prevent mold growth.
Originates from sources containing bacteria, such as dishwashers or sewage backups, and poses a moderate health risk. It requires thorough disinfection and drying to prevent contamination.
Arises from heavily contaminated water sources, such as floods or sewage, posing a significant health hazard. It requires professional restoration and disinfection to ensure safety.
The legal definition of water damage varies depending on jurisdiction, but it generally refers to damage caused by water that has infiltrated a structure and caused deterioration or loss of property.
Typical legal definitions include:
Understanding the legal definition of water damage is crucial for insurance purposes, establishing liability, and pursuing legal remedies if necessary.