A hidden flaw or defect which is not readily discoverable by a competent person using reasonable skill in an ordinary inspection.
A hidden flaw or defect which is not readily discoverable by a competent person using reasonable skill in an ordinary inspection.
A loss which is a direct consequence of a particular peril. Fire damage to a refrigerator would be a direct loss. Spoiling of food in the refrigerator as a result of the fire damage would be an indirect loss.