In order to qualify for resulting damages being covered, the damages caused by the geyser should be sudden and not have occurred over an extended period. The damage must have been directly caused by one sudden and unforeseen event. Damages do not include access costs where such areas are not damaged. For example, the cost of a cupboard that needs to be dismantled that was not water damaged, will not be covered by most insurers unless an extra premium has been paid for such extra benefit.