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Standard homeowners insurance policies may cover basement water damage or flooding, but only if it is caused by a sudden and accidental event that is a covered peril, such as a burst pipe or a failing appliance. Damage caused by natural flooding from extreme weather, groundwater seepage, or heavy rain is typically excluded and requires a separate flood insurance policy. Some insurers also offer an optional water backup endorsement for issues like sewer backups. Review your policy or speak with your agent to understand your specific coverage.

Yes, if your crawl space is prone to humidity, a dehumidifier can help keep it dry. For use in a crawl space, you’ll need a high-capacity and high-efficiency dehumidifier with built-in air filtration. It’s also wise to purchase one with a self-draining feature. Otherwise, you’ll need to climb into the crawl space to empty the dehumidifier.

Below-ground shelters are the best in terms of durability, but there is a risk of flooding and obstruction. Modern technology and rigorous construction requirements make above-ground shelters a better option for accessibility, safety, and, usually, your budget. They may not have the same aesthetic appeal, but many of their features make above-ground shelters a better option. 

Water that pools under pavers can erode the soil foundation and weaken the paver structure. In some situations, it can also cause mold and mildew growth. If that happens, you may need to start budgeting for the cost to build and install a patio to replace the damaged one.