Wet Floor Versus Wet Rot

This question is in regards to the ISO HO-3 policies, an edition after the 4/91. Often we have claims submitted where the insured reports that their floor is wet, but unsure of where the water is coming from. I understand that 'wet rot' is excluded. However, a “gradual leakage or seepage of water” is not excluded. Couldn't one argue that in order for there to be wet rot, then there had to have been a leak or seepage of water somewhere? I guess I'm looking for some circumstance in which “wet rot” would be excluded? 

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