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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.

Yes, you can finish a basement that leaks, as long as you address the leak first. Before finishing a basement, you’ll need to repair any cracks in the walls and waterproof the basement to prevent future leaks. It’s much harder to clean up a water leak from a finished basement than an unfinished one, so preemptively addressing any leaking areas prevents expensive repairs in the future.

It depends on what caused your basement flooding, the extent of the problem, and the risk of the flood continuing. If your flood is coming from a septic system or sewer line, breathing in the sewer gasses can be dangerous, so you should vacate. If the flood occurs from an ongoing natural disaster, relocating to a safe area might be wise. If you just have a plumbing leak or rainwater coming in, you can likely stay in the house if you don’t have electrical lines down there, but make sure you call in professionals to fix the issue immediately.

Many prevention methods can be used individually or in combination to waterproof your basement. Some of the most common waterproofing methods include:

  • Using dehumidifiers 

  • Silicate concrete sealers

  • Vapor barriers 

  • Baseboard channels 

  • Drain tile systems

  • Waterproofing paint

  • Drainage systems

  • Epoxy injection

  • Interior French drains

  • Exterior excavation and waterproofing

  • Cement waterproofing

  • Weep tiles

  • Liquid membrane

  • Sheet membrane 

  • Yard grading

  • Gutters and downspouts

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 Truth Or Consequences, 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.