In the absence of a precise policy definition, the term will be interpreted as common English language usage. Accidental damage is typically defined as “unintended and unexpected damage caused by sudden and external means, subject to certain exceptions, such as electrical and mechanical derangement, inherent vice, and action of insects, moths, vermin, and the like.” ‘Visible damage not caused on purpose’ is a common phrase, subject to exclusions to put certain matters beyond doubt. ‘Damage’ includes accidental destruction but not necessarily ‘accidental loss,’ though where the loss is of an integral part of an item, such as couch covers, the resulting ‘impairment’ is likely to be regarded as ‘accidental damage.