Definitions for "Direct Damage"
Physical damage caused to property by a peril such as fire or lightning.
Plant damage caused by the feeding of an insect through the removal of plant sap or plant parts (compare with indirect damage caused by a disease transmitted by an insect which causes delayed symptoms).
Damage done directly to the target, without traveling through the world and without striking the targetâ€(tm)s armor.
loss of or injury to property, which is caused proximately by the hazard insured against.