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Yes, the air from a damp basement can travel up into your living area through a process called the stack effect, so moisture, mold spores, and other debris in your basement air can all decrease your indoor air quality on your main floors. Additionally, damp basements can promote the rotting of building materials, which can damage flooring, insulation, and framing on your first floor in addition to materials in the basement.

In most cases, standard homeowners insurance policies do not cover damage from a sump pump failure or overflow. Coverage for water damage is often limited to sudden, unexpected events like a burst pipe that was not caused by negligence. To be covered for sump pump issues, you will likely need to purchase a specific rider, endorsement, or additional water backup insurance. If your insurer offers this type of coverage, they may require proof that your sump pump is regularly maintained.

A sewage ejector pump is necessary if you have any plumbing fixtures, such as a bathroom, laundry room, or sink, located below the level of your home's main sewer line. Standard plumbing relies on gravity to drain wastewater and solid waste into the municipal sewer system or a septic tank. For fixtures below this level, like those in a basement, gravity cannot move the waste upward. The ejector pump provides the force needed to pump the sewage up to the main line. Without one, wastewater from below-ground fixtures would back up, potentially causing a sewage overflow and flooding. If all of your plumbing is on the main floor or higher, gravity is sufficient and an ejector pump is not needed.

A small sump pump running infrequently uses an average of 10 kilowatt-hours (kWh) of electricity per month. The average cost for electricity is $0.171 per kWh. The size and use frequency affect how much electricity it uses. Sump pumps average one-third to one horsepower (hp) motors. One hp is equal to 745.7 watts. Watts multiplied by the time your pump is running divided by 1,000 equals your average kWh. Multiply kWh by your average cost of electricity. In areas with high rain or a marsh basin, the average cost can be as high as $15-$25 a month.