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Most people consider a French drain to be one of the most effective solutions for foundation leaks, but it’s not always a standalone solution. French drains will help keep water away from your foundation to reduce the risk of leaking and structural damage from soil expansion, but depending on your foundation type and location, you might need other systems or techniques—like soil gradation and gutter and leader installation—to resolve the underlying problem.

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.

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 not properly maintained, an underground downspout may damage your home's foundation. A clogged downspout can back up, causing water to pool around the base of your home and seep into the foundation. Regular inspections and maintenance keep your downspout in good working order, preventing damage and protecting your home.