Sudden Discharge and Gradual Loss Define Water Damage Coverage Boundaries
https://express-wholehome-near-weidnerfield.opalvector.com/posts/pack-out-inventory-standards-establish-claim-validity-within-48-hours-of-flood-discovery
Water damage qualifies as a covered peril when it results from a sudden and accidental event like a burst pipe or overflowing appliance, but not when it stems from deferred maintenance or gradual loss such as slow leaks or aging plumbing—the