Is basement waterproofing covered by Insurance?

maryland, basement, waterproofing, flood, insurance

Okay, we have to break it to you immediately. There’s no easy way to do this. Generally speaking, your basement waterproofing is not insured.

However, in rare cases, you can get a claim but the coverage will still be very limited.

Basically, damage due to basement water seepage is considered to be a maintenance issue rather than a sudden or accidental loss which is covered by your home insurance in Maryland and its major cities, such as Baltimore. The reason behind this is that you can take preventive measures, such as regular maintenance, to avoid water damage to your basement in the first place.

Now that we have that out of the way, you may be wondering how to maintain and prevent a flooded basement. So let’s get down to it:

6 Steps to prevent water damage

Here are six steps you can take to prevent water damage to your basement.

  1. Clear your gutters and downspouts: Make sure all of your gutters and downspouts are free from any debris that might stop the flow of water. This is one of the most common reasons that lead to basement flooding.
  2. Repair cracks in your foundations: This is a very important measure that can be taken to avoid water damage in the basement. Water seeps through these cracks and ends up in your basement, causing further damage to the foundation. Ensure all of the cracks are covered and filled in properly.
  3. Repair the windows in your basement: If you have any cracks in your basement windows or if the frame is loose, then having them fixed can save you from water damage. This is because heavy rain can cause water to seep through to your basement.
  4. Check your sum-pump or install one: Make sure that your sump pump is working even when you don’t have to use it as they seize up when not in use. Also, have a generator installed for the pump because heavy rain fall can cause power outages on a wide scale.
  5. Check current sump pump efficiency: Often, we don’t change our sump pumps in a long time. Most homeowners have old cast iron pumps in their basement. However, there are more advanced models out there now which you can use to protect your basement efficiently.
  6. Install an exterior waterproofing membrane system: This is the best way to protect your basement from water damage. There are two types of waterproofing systems though. One involves sheet products that are fixed to your wall to make them waterproof from seepage. The second is a liquid chemical that is applied to the exterior of your house. Once dry, this chemical becomes a seamless compound that is designed to prevent water seepage.

For more information on exterior water proofing membranes and other water proofing services, please fill out the form and we’ll get back to you ASAP! For emergencies, please contact us on1-866-I-Get-Dry (443-8379).