Water Damage
Harm to your property caused by water, which may be covered or excluded depending on the source of the water and your policy terms.
Detailed Explanation
Homeowners insurance typically covers sudden, accidental water damage from burst pipes or appliance failures but excludes damage from floods, ground seepage, or sewer backups unless you have specific endorsements for these perils.
Practical Example
When Daniel's washing machine hose suddenly burst while he was at work, flooding his laundry room and kitchen, his homeowners insurance covered the water damage to his floors, walls, and cabinetry.
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