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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.

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.

Below-ground shelters are the best in terms of durability, but there is a risk of flooding and obstruction. Modern technology and rigorous construction requirements make above-ground shelters a better option for accessibility, safety, and, usually, your budget. They may not have the same aesthetic appeal, but many of their features make above-ground shelters a better option. 

If you decide to fill the space around your home’s foundation with landscaping materials, it’s important to consider the aesthetic as well as technical factors like drainage and protection from pests and the elements. Materials such as gravel, rubber mulch, concrete, and brick masonry are all good options.