Water Damage: Causes, Types, and Legal Definition

Introduction

Water damage poses a significant threat to homes and businesses worldwide.

Causes of Water Damage

• Natural Disasters (e.g., hurricanes, floods)
• Broken or Leaking Pipes
• Faulty Appliances (e.g., dishwashers, washing machines)
• Roof Damage
• Foundation Leaks

Types of Water Damage

Water damage can be classified into three categories:

• Category 1: Clean Water – Originates from a sanitary source (e.g., broken water pipes)
• Category 2: Gray Water – Contains organic matter and pathogens (e.g., toilet overflows)
• Category 3: Black Water – Severely contaminated with pathogens or toxic substances (e.g., sewage backups)

Legal Definition of Water Damage

In legal terms, water damage is defined as:

Any physical or structural harm to a property caused by the intrusion of water.

This definition encompasses damage not only to the physical structure of a property but also to its contents, such as furniture, appliances, and personal belongings.