Sump Pumps & Homeowners Insurance
A flooded basement is a homeowner’s nightmare. A sump pump protects your home from heavy rains that leave behind structural damage.
A sump is a constructed pit, usually carved below the surface level of your basement floor. This pit holds the sump pump, which has valves that sense escalating water levels. When water levels get too high, the sump pump is activated. It pumps the water out of the basement and away from your property.
Most standard homeowners insurance policies will not cover water damage resulting from a sump pump failure. It is vital to regularly check that your sump pump is in good working condition.
A battery backup sump pump is a great way to provide extra security, as it allows your pump to operate even if your home loses power during a storm. As the water level rises in the pump basin, a float switch triggers battery operation, thus preventing sump failure. Battery backup installation costs $900 on average and may save you from covering costly flood damage out of pocket.