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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.

There are a few downsides to a wet room, the most important of which is the risk of mold growth from the moisture and humidity. Standard bathrooms can have the same issue, but wet rooms are more likely to experience problems because water is less carefully contained. You also have less privacy since the entire bathroom is open, and the room must include waterproofing, which makes wet rooms more expensive to install than regular bathrooms.

Damp proofing and waterproofing are both methods to help keep your basement dry. Damp proofing keeps soil moisture from entering your basement, which is helpful since your basement is underground. Waterproofing, however, keeps both soil moisture and liquid water out of the basement, which is essential, especially if you live in a wet environment. Because it’s more protective, waterproofing typically costs more than damp proofing.

If there is standing liquid on your concrete, remove it before attempting any of the above cleaning methods. For small amounts of water, use rags, a bucket, and a mop. For larger areas of liquid, lay down cat litter or baking soda to soak up the water first. If you have extremely large pools of water sitting on your concrete, break out the wet vac and get to work.