Get matched with top sump pump installation pros in O Fallon, IL

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.

Yes, a well-maintained sump pump can increase a home's value and make it more desirable to potential buyers; it does not lower property value. By protecting the basement from flooding and water damage, a sump pump provides peace of mind and can make the space usable for storage or as an extra room. For buyers interested in homes with basements, a working sump pump is a significant feature that adds value by ensuring the space is secure and less likely to flood.

If your sump pump isn’t engaging, it might be clogged with dirt and debris. Check to see if the fitting lid is loose and has been letting debris in. Next, check the float and make sure it’s not obstructed by rust or gunk, which results from insufficient maintenance. Tangled wires or damaged switching systems can also stop your sump pump from engaging.

Inspect the pump annually, test the float switch, and clean the discharge line to ensure efficient operation.