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Basement Leak Repair 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.

A burst pipe can cause hundreds or even thousands of dollars in damage. It could flood your home, which can destroy many of your belongings. It could also ruin hardwood floors and carpeting, requiring you to replace your flooring. Finally, mold and mildew form very quickly after high levels of moisture have been introduced to a space; this is not only costly to remove but also bad for your health.

While both a channel drain and a French drain serve a similar purpose, a French drain is designed to prevent groundwater from causing flooding issues. This type of drain system goes underneath the soil and is completely surrounded by soil and rock. A channel drain, also called a trench drain, removes surface water before it ever enters the ground—hence the concrete and above-ground installation method.

The need for permits in drainage improvement projects depends on your location and the extent of the project. Generally, projects involving significant excavation, alterations to existing drainage systems, or those impacting public drainage systems may require permits. Check with your local building department or authorities to determine the specific permit requirements in your area before starting any drainage improvement work to ensure compliance with local regulations.

You can DIY basement waterproofing in some ways to help save on the overall costs. If your basement isn’t experiencing a lot of water but is noticeably humid, you can try running a dehumidifier that will pull the excess water out of the air. If you notice water leaking due to outdoor drainage issues, you can add downspout extensions to keep rainwater away from your home. 

However, if the problem is more severe and requires a more extensive solution, it’s best to call a basement waterproofing professional to assess the treatment you need and install waterproofing safeguards properly. Since keeping water out of your basement is important, ensuring this job is done correctly the first time is best.

The Hurley, NM homeowners’ guide to basement leak repair services

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