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French drains and yard grading systems are two highly effective ways to fix standing water around the foundation. Since the French drain uses a perforated pipe covered by gravel, you won’t have to worry about water taking the soil away from your foundation. Meanwhile, yard grading levels out the ground to prevent water from gathering around your foundation.

In some circumstances, foundation refacing or repair may be a better option for your home than sealing a foundation. It’s always a good idea to take steps to prevent moisture problems in your foundation, but if there are any structural concerns, those will usually need to be fixed first. When dealing with foundation issues, it’s a good idea to get a professional opinion so you can avoid bigger problems down the road. 

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.

In perfect conditions—meaning, no overexposure to the elements without roofing material on top of it—an ice and water shield can last for decades. In fact, many come with a limited lifetime warranty because they should last for a long time. If, however, the membrane is exposed to the elements during building or if there is a delay in installing the roofing material, it might only last up to 180 days if exposed to the elements. The key is to make it a layer of protection and then protect that layer by installing the roofing.