One house has a supply line burst and flood a kitchen; another has a pipe that dripped inside a wall for two years. On a broad form:

Giải thích

The peril is accidental discharge or overflow of water or steam, and the word that decides these two claims is sudden: a line that lets go without warning qualifies, while constant or repeated seepage over a period of time is treated as a maintenance failure and excluded. Reading both as covered water damage ignores the sudden-and-accidental requirement built into the peril.