What is sudden and accidental water damage? Sudden and accidental water damage covers discharge or overflow of water or steam from within a plumbing, heating, or air conditioning system, or household appliance.
What qualifies as water damage?
Water damage refers to any type of physical damage caused to property that has come into direct contact with water. It can stem from natural disasters such as floods, hurricanes, tornadoes, or torrential downpours. Other causes of water damage in the home include leaky plumbing, burst pipes, or even a leaking roof.
What is sudden and accidental?
Sudden and accidental means an abrupt, fortuitous event which is unintended from the perspective of a reasonable person.
Does water damage count as accidental damage?
Accidental damage is the term that many insurers use to explain sudden, unforeseen events that result in the damage of your gadget. This can range from dropping your mobile phone down the toilet, to unexpectedly spilling a glass of water on your laptop – we've all been there.
What is a gradual leak?
Gradual damage happens when something gradually causes harm to a home over time. Progressive water damage is a regular issue when filing insurance claims. For instance, imagine you overlook replacing the leaking faucet handles on your sink. This water leak will eventually cause harm to your home.
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