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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.

The best way to ensure the ground next to your home’s foundation drains properly is to divert water away from it as much as possible. While a flood wall can stop water from entering the house, gutters and spouts can help direct rainwater and melting snow away from the foundation. Keep your gutters as clear as possible from dead leaves and other yard debris so they can effectively divert water from your house. Add extenders to the spouts so the water runs out and away from your home, not into the surrounding soil.

Mold growth is just one common sign of excess moisture in the bathroom. You may also see the paint in the room start to peel away from the walls, or that the walls remain wet for some time after you bathe.

Condensation on the windows is another sign that your bathroom has a potential moisture problem. The room itself may start to smell like mildew.

You don’t always need to install a dehumidifier in your encapsulated crawl space, but it might be a good idea in certain instances. If you notice obvious signs of condensation, mold, or musty smells permeating from your crawl space, a dehumidifier can help. It’s ideal for homes in humid areas.

In a worst case scenario, structural damage like rust on metal beams, rotting wood, and swelling on doors and windows can signal moisture problems that would benefit from a dehumidifier.