In property insurance, what term is used for damage caused by gradual wear and tear?

In property insurance, the term used for damage caused by gradual wear and tear is "ordinary wear and tear." This concept recognizes that as property is used over time, it naturally experiences some level of deterioration. Ordinary wear and tear is seen as a normal part of the property's lifecycle and does not imply neglect or intent; rather, it is simply the result of everyday use.

Insurers typically do not cover damage classified as ordinary wear and tear, as this is expected and not considered a distinct incident that caused sudden damage. Understanding this distinction is crucial for property owners when filing claims, as insurers differentiate between damage that occurs suddenly and unexpectedly versus what results from ongoing use. This classification helps manage risk and liability in property insurance agreements.