Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, de-laminating of materials such as plywood, etc.
The damage may be imperceptibly slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as burst pipes and flooding. However fast it occurs, water damage is a major contributor to loss of property.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner’s insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to «Sewer and Drain Coverage».