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The four most common types of stormwater drainage systems are ditches, catch basins, french drains, and slot drains. Ditches are open trenches designed to reroute stormwater off your property. Catch basins are connected to your local sewage system. French drains are great for keeping water out of your foundation, and slot drains are low-capacity drain systems that work best with light storms.

Several factors can impact the cost of waterproofing your basement. Some of the most common cost factors include:

• Location

• Square footage

• Cause of the water leak

• Type of foundation

• Accessibility

• Waterproofing method

• Materials

• Contractor experience and availability

• Engineering reports, if needed

• Structural and other repairs

• Permits

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.