Are you worried about your basement flooding and the large expenses that come with it?

Here are some measures that you can take to help prevent basement flooding during heavy rainfall:

1.     Install a (backup) sump pump: A sump pump can help pump water out of your basement in case of a flood. It is a good idea to have a backup power supply for your sump pump in case of a power outage during a storm. You may also want to consider a backup sump pump in case the first one fails.

2.     Install a basement water sensor: For a small cost, you can place a water sensor on your basement floor that can communicate with your phone and inform you if your basement is beginning to flood or if there is a water leak—allowing you to act quickly and prevent drastic damages.

3.     Seal cracks and leaks: Cracks and gaps in the walls and floors of your basement can allow water to seep into your basement during a heavy rainfall. Sealing these cracks and leaks with waterproof sealant can prevent water from entering your basement.

4.     Maintain your plumbing: Ensure that your plumbing system is in good condition and that there are no leaks or clogs in the pipes. If there are any issues with your plumbing, fix them as soon as possible to prevent water damage.

5.     Install window well covers: If your basement has windows that are below ground level, installing window well covers can help prevent rainwater from entering your basement through these windows.

6.     Install a French drain: A French drain is a trench filled with gravel or rock that is designed to redirect water away from the foundation of your home. This can be an effective way to prevent basement flooding during heavy rainfall.

By taking these measures, you can significantly reduce the risk of your basement flooding during heavy rainfall.

Please consider Farm Bureau Insurance’s policy on flooding:

Farm Bureau Insurance’s policy does not cover water damage from flood, surface water or water leaking into the basement. A special flood insurance policy would be necessary for that type of coverage.

The Homeowners policy can provide up to $2,500 for damage from water that backs up through sewers or drains, or overflows from a sump or related equipment. Higher limits may be purchased.

If you’re not sure what caused your water damage, you can still file a claim. The assigned claim representative will investigate the loss to determine whether coverage is available. It’s best to proceed as though you do not have coverage and take necessary steps to protect your property from further loss. If a claim is submitted, repairs to the damaged area should not begin until the property is inspected by the adjuster. Remember to take photos of damage if possible, and keep damaged items until coverage is determined.