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Foundation Drain Installation questions, answered by experts

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 move wastewater and solid waste to the municipal sewer or septic tank. However, for fixtures located below grade (e.g., in a basement), gravity is not sufficient.

The purpose of a sewage ejector pump is to actively pump this wastewater and solid waste upward into the main sewer line. Without an ejector pump in this situation, wastewater would have no way to exit and would eventually back up, causing a sewage overflow or flooding in your basement. If all of your home's plumbing is on the main floor or higher, gravity can handle the drainage, and an ejector pump is not needed.

The type of stormwater drainage system you need depends on your area’s storm severity and frequency. Your property’s location should also be considered, including the surrounding soil type, nearest roads, existing drainage systems, and slopes and hills. Your property’s structure, such as decks, walkways, crawl spaces, and foundation, also affects what drainage system will work the best.

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.

There are dedicated sump pump pros in most areas who can install sump pumps. However, plumbers and waterproofing specialists should also have a good amount of experience with installing sump pumps. If you don’t have any dedicated specialists in your area, reach out to a basement waterproofing specialist or a plumber.

The Tickfaw, LA homeowners’ guide to foundation drain installation services

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