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No, homeowners insurance policies do not typically cover sump pump installation. However, some companies may offer incentives in the form of discounts or reduced premiums if homeowners install sump pumps. Insurance companies do this because sump pumps can reduce water damage claims. You may also be able to obtain enhanced water-backup coverage after installing a sump pump.

If the time has come to install a French drain in your yard, basement, or crawl space, there's a solid chance you've been battling water damage—or the threat of water damage—around these areas. Thankfully, proper drainage should allow you to redesign these areas of your home without the fear of being inundated during the next storm. If you've had to remove a portion of your lawn for an exterior French or curtain drain, consider reseeding your lawn to patch up the spot. You can also take this opportunity to enhance your foundation waterproofing methods or even start thinking about finishing your basement .

Pooling or standing water in your basement should be cause for alarm and action. This indicates that there is a leak or a drainage issue, and until you repair the root of the problem, the situation will only happen again or grow in severity. It’s important to deal with water damage as soon as it occurs.

If your basement often leaks after heavy rain, it’s probably caused by hydrostatic pressure. When the ground is saturated with water, it can put pressure on the exterior of your home’s foundation, causing cracks in the basement wall and pushing water through any existing weak spots. Over time, hydrostatic pressure can cause structural damage to your home.