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Basement Waterproofing questions, answered by experts

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.

Statistics show that 98% of basements will experience some form of water damage over time. However, that doesn’t mean all basements will experience severe flooding. The best way to prevent a water-damaged basement is to keep up with home maintenance and have proper drainage installed outside your home to direct water away from the foundation. You can also consider building a flood wall around the house if you live in a flood-prone area.

Walkout basements cost more than other kinds of basements, and can also increase your risk of leaks as well as a loss of insulation, leading to higher heating and cooling costs. Improperly installed walkout basements may lead to structural issues with your foundation, so ensure you’re working with a contractor who has extensive experience with this kind of basement.

A crawl space is an area under the house that provides access to plumbing, electrical, heating ducts, and other HVAC units. Its purpose is to create a buffer between the ground and the living area, helping with ventilation, moisture control, and access for maintenance or repairs. Crawl spaces are most often seen in houses in North America which are built on concrete foundations versus other parts of the world where buildings are constructed differently.

Typically, waterproofing a basement should last up to 10 years. However, it’s worth noting that with proper maintenance and depending on the waterproofing method and installation quality, you can probably squeeze another decade out of it.

The Chatham, MI homeowners’ guide to basement waterproofing services

From average costs to expert advice, get all the answers you need to get your job done.