May 26, 2011 - Rain showers might be dandy for your garden but not for your basement.
Wet basement problems may be solved simply by repairing an obvious gutter or downspout leak, but other water problems may have causes that are difficult to identify or expensive to fix.
The Insurance Institute for Business and Home Safety offers three steps to help you reduce the risk of repeated basement flooding. If you cannot determine the source of the problem yourself, contact a professional.
Step 1 – Evaluate the risk by considering these questions:
Step 2 – Inspect the location where water is entering and consider these solutions:
Step 3 – Try other location-based solutions:
If the water appears to be entering the home or building near the foundation or through a floor drain, consider installing a French drain or a sump pump.
The French drain could be installed around the perimeter of the building, diverting the water away from the foundation. A sump pump should be installed in the basement floor with a battery backup system. Before you begin, consider hiring a licensed contractor for help.
As with any type of insurance, it's important to know what your policy does and doesn't cover. All basic homeowners insurance policies exclude flood and certain types of water-related damages. Only flood insurance will cover losses in the event of a flood.
Flood insurance can be purchased from the federal government’s National Flood Insurance Program, and from some private insurers. Erie Insurance works with American Bankers Insurance to offer flood coverage. There is a 30-day waiting period for the policy to go into effect, so it’s important to start the process before severe weather strikes.
To determine what is covered under your insurance policy and purchase a flood insurance policy, contact an Erie Insurance Agent. Your Agent will review your current coverage and help customize a policy that’s right for you.