Put an End to Basement Flooding

homeowners insuranceMany homeowners find that their basements are a source of annoyance, not to mention a drain on their wallets. Basements are more prone to flooding, which can contribute to increases in your homeowners insurance premiums. Locating the source of the problem and fixing it can save you a lot of money, not to mention prevent dangerous mold from growing in your home.

To evaluate your flooding problem, you’ll need to ask yourself a few questions:

  • When does the basement flood? Is it at a certain time of year, or at seemingly random intervals?
  • Where does the water enter the basement? At the top of a wall, bottom of a wall, or through a floor drain?
  • If the water enters through a wall, does it appear to enter in one spot only, or at various points along the wall?

After answering these questions, you’ll know where to begin fixing the problem. If the water seems to be entering from a single crack in a wall, your solution could be as simple as caulking that crack to seal it. You may also wish to inspect your drain spouts, andscape is angled toward the house, this will cause water to drain into your basement.

You will probably need to talk to a contractor if water is entering at multiple spots along the wall. You may need to repair or replace the water proofing membrane which should be installed on the outside of all basement walls. If you have an unfinished basement, applying an internal sealant to the walls may do the trick. Be aware that you need to frequently maintain and reapply this sealant.

If the water is entering through a drain in the basement floor, you will definitely need a contractor. The home may need a French drain around the perimeter of the building, and prevent multiple claims on your homeowners insurance.

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