Fresh Water and Rain Damage

Fresh Water and Rain Damage is an additional risk in marine cargo transportation insurance, covering losses to goods during transit caused by fresh water (such as fresh water leakage in ship cabins or pipe bursts) or rain (such as rain exposure or snow melt). It typically cannot be insured separately and must be added on the basis of a main risk (such as Free from Particular Average, With Particular Average, or All Risks). Usage scenarios include: goods stored in the open, transit through rainy regions, or use of ordinary containers without waterproofing. Precautions: Fresh Water and Rain Damage differs from "Risk of Moisture and Heating," as the former covers only direct contact with fresh water or rain, while the latter encompasses sweat in holds, moisture, etc., caused by temperature changes; it differs from "With Particular Average" in that With Particular Average covers losses caused by seawater, whereas Fresh Water and Rain Damage specifically covers fresh water or rain. Additionally, if the goods are inherently susceptible to water, it is advisable to insure All Risks or add this risk, and to note clauses such as "Keep Dry" on the bill of lading. When insuring, the insurance period and deductible must be clearly specified.