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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.

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.

The best basement waterproofing method depends on the specific issue causing the water intrusion. For minor problems, simple solutions like installing a properly functioning gutter system to direct runoff away and grading the soil to slope away from your foundation can be effective.

If you have more significant water problems, the solution will need to be more robust:

• For standing water on the basement floor, a floor drain or a sump pump system may be the best solution.

• For water pooling around the foundation, installing an exterior French drain can intercept water before it reaches the basement walls.

Other effective waterproofing methods, which can be used depending on your home's specific needs, climate, and soil type, include sealing the interior walls, landscape alteration, installing interior drainage systems, and using a dehumidification system to control moisture levels.

Yes. Water can penetrate through a concrete foundation wall. This can happen whether or not you have cracks, as concrete is a porous material. You’ll want to take steps to waterproof your basement or crawl space.