Definition : Damage - Non-material damage

Damage not resulting from material or bodily injury. This is for example the economic damage suffered by the co-owner by the loss of the right of use of his apartment following water damage.

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The main causes of water damage include flooding, sewer backups, broken pipes and leaky plumbing fixtures, poor maintenance and changing weather conditions. A construction or design defect can also be the cause of water damage: for example, a defect in the tightness of the construction, a poor design of the drainage networks, a counterspend of balconies or sidewalks. In most cases water damage affects equally common and private portions, thus it is one of the most complex loss to adjust.  
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