What is included under the definition of Physical Harm to Property?

The definition of Physical Harm to Property encompasses any tangible or intangible damage that results in a loss of value. This understanding is crucial because it recognizes that harm to property is not just about visible destruction; it can also include damage that adversely impacts the property's worth or usability, even if that damage isn't readily apparent. For example, if a property is structurally sound but has been subjected to environmental contamination, the overall value of that property may be diminished. Thus, option B encapsulates the full scope of physical harm by including both visible and non-visible factors that can lead to a reduction in value, which aligns with legal interpretations of property harm.

In contrast, the other options either present incomplete or incorrect interpretations of what constitutes physical harm to property. The focus of option A suggests that damage must visibly affect property value to be considered harm, which overlooks intangible factors. Option C implies that destruction must occur without any associated financial impact, which is unrealistic in assessing physical harm. Finally, option D addresses the concept of interference with enjoyment, which pertains more to nuisance rather than physical harm to property. Hence, recognizing all forms of harm, especially those that can lead to a loss in value, is critical in accurately defining physical harm to property.