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Does home insurance cover basement waterproofing?
Argh! My basement has flooded yet again after a heavy rainstorm. I’d like to prevent this from happening again—will my homeowner’s insurance cover waterproofing the basement?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Repeated water damage is frustrating! Unfortunately, your homeowner’s insurance is not likely to cover waterproofing your basement. However, you may want to invest in waterproofing anyway, and here’s why.
Flood and storm surge damage
Unless you’ve paid for flood insurance, you’re likely not covered for water damage resulting from naturally-occurring floods and storm surges. Even if you do have such coverage, it won’t cover waterproofing your basement, particularly after the fact.
Water damage from broken pipes or overflow from a toilet, sink, or bathtub
Many policies do cover clean-up and repairs, but this doesn’t mean that you can then ask for the insurance company to cover the costs of additional improvements, such as waterproofing.
The advantages to waterproofing a basement
While your insurance company won’t cover the cost, taking such preventative measures may wind up saving you money in the long run. If you use your basement as a living or recreational space, waterproofing will help protect furniture, carpeting, and appliances from damage in the first place.
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- Gregory R.
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