Water damage is a common problem that can affect homeowners and businesses alike. It can be caused by a variety of factors, including leaks, floods, and storms. The type of water damage that occurs will depend on the source of the water and the severity of the damage.
Causes of Water Damage
Some of the most common causes of water damage include:
- Leaks: Leaks can occur in any part of the plumbing system, including pipes, faucets, and toilets. Leaks can be caused by a variety of factors, such as wear and tear, corrosion, and freezing.
- Floods: Floods can occur when water overflows from rivers, lakes, or streams. They can also be caused by heavy rains or snowmelt.
- Storms: Storms can cause water damage in a variety of ways, including wind-driven rain, hail, and snow. Storms can also cause power outages, which can lead to flooding if sump pumps are unable to operate.
Types of Water Damage
There are two main types of water damage:
- Category 1 water damage: Category 1 water damage is caused by clean water, such as water from a broken pipe or a leaky faucet. This type of water damage is relatively easy to clean up and repair.
- Category 2 water damage: Category 2 water damage is caused by contaminated water, such as water from a sewage backup or a flood. This type of water damage can be more difficult to clean up and repair, and it can also pose a health hazard.
What is the Legal Definition of Water Damage?
The legal definition of water damage varies from state to state. However, in general, water damage is defined as any damage to property caused by water. This can include damage to the structure of the property, as well as damage to personal belongings.
If you have experienced water damage, it is important to contact your insurance company as soon as possible. Your insurance company will be able to help you file a claim and get the repairs started.