Although swimmer's ear can occur from frequent submersion in a pool or lake, there are other possible causes. Bacteria and fungi love warm, damp environments -- the inner ear provides ideal conditions for rapid growth. Heavy perspiration and excess moisture can lead to swimmer's ear. Scratches and abrasions on the tender skin of the inner ear can also open the door to bacterial infections. Although not caused by excess water, inner ear infections present in the same manner. Finally, some hair products and jewelry can cause allergic reactions, leading to infection in the ear canal.

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