Use of the semicolon, the ";" symbol.

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“Damage to the undercarriage; damage caused by water”

Does this phrase mean that damages to the undercarriage caused by water is not covered, OR does it mean damage to the undercarriage is not covered regardless of the cause, and that damage to the ...
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Is the usage of this semicolon correct? Should I replace it with a colon or dash?

I am getting ready to have my first tattoo and, as a fairly strict grammarian, I want to make sure that I get it right. I plan for the tattoo to look like the following, but I'm not totally sure about ...