Water Damage
Definition:
Loss caused by sudden or accidental water intrusion.
Explanation:
Covered causes may include burst pipes, appliance leaks, or accidental overflows. Flooding from outside sources is typically excluded and requires separate flood insurance.
Example:
If a washing machine hose bursts and floods your laundry room, the resulting water damage is covered.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.