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Basement Waterproofing questions, answered by experts

In many homes, an unfinished basement is an ideal place for an in-ground pool. The concrete floors, protection against water damage, and access to the ground below your home make this a large contender. Speak with a local basement remodeling contractor to ensure your space is right for the large construction.

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.

Due to the nature of basements, some level of waterproofing is necessary to prevent water from seeping in and causing damage. Some definitive signs that your basement needs waterproofing measures or needs existing waterproofing measures need to be updated include:

  • Water in your basement, including damp walls or puddles on the floor

  • Mold spots in your basement

  • Musty smells or odors

  • Warped doors or walls

  • Cracks in walls

  • Insect issues, such as cockroaches and termites

A sump pump can remove excess moisture from under a house if standing water is present. Other ways to protect your crawl space from moisture include installing a vapor barrier, using a dehumidifier, installing insulation, and using a fan to dry the space. Finally, keeping your gutters clear of debris and positioning your downspouts away from the home’s foundation can prevent moisture from getting into the crawl space in the first place.

When considering finishing your basement, take into account a few pros and cons:

Pros

  • Can increase the value of your home

  • Separate space from the rest of the house 

  • Customize and personalize the basement to suit your needs and style

  • Increase the amount of living space in your home

Cons

  • May not regain enough value to cover the cost of finishing

  • Lack of natural light if it’s below ground level

  • Moisture or flooding can cause costly damage

  • Installing plumbing and electrical can be messy and costly

The Ishpeming, MI homeowners’ guide to basement waterproofing services

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