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Water damage can originate by different sources such as: broken dishwasher hose, washing machine overflow, dishwasher leakage, broken pipes, clogged toilet, leaking roof, moisture behind walls, foundation cracks, plumbing leaks, slab leaks and bad weather (snow, rain, floods).
As far as insurance coverage is concerned, most damage caused by bad weather is considered flood damage and normally is not covered under home owners insurance. Coverage for bad weather would usually require flood insurance.