The Perfect (Water) Back-up Plan

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As a new homeowner, water back-up or basement flooding may not be at the top of your “things-to-do list.”  Once settled, it still may not be a priority.  Not until the lightning flashes, the thunder cracks, and the lights flicker do most homeowners think about water back-up in the basement.

The Perfect (Water) Back-up Plan

3-Proactive Homeowner Steps

There are 3-proactive steps you can do to help protect your home from water damage.  Taking these steps could help you sleep better when the rain starts to fall.

  1. Inspect your sump pump and catch basin.   During new construction or remodels, construction debris can collect in the catch basin.  Wood scraps, nails, and drywall dust can prevent your sump pump from operating.  Larger debris can block the float (switch) and delay or stop the pump from turning on.
  2. Install a Back-up Pump.   A back-up system is designed to run your pump during electrical power outages.  These systems are available in several types and run off different voltages; some are water-powered for longer run times.  The Sump and Sewage Pump Manufacturers Association (SSMPA) website ( provides information on the different types of back-up systems available.  These systems need to be installed by a professional to ensure they function properly.
  3. Review your current Water Back-up insurance coverage.   This portion of your homeowner’s insurance may cover your expenses in the event your sump pump fails.  Think of it as the back-up for the back-up!  Contact us to review your current coverage or to get a home insurance quote.

How Much Water Back-up Coverage Should You Have?

How much coverage you carry depends on your home and how you use the basement.  Here are a few things to think about when reviewing your current policy with Allstate Insurance Agent Joe Hancock.

  • Is the basement finished, partially finished, or unfinished?  Many people only finish a percentage of their basement; knowing how much of the actual basement is finished will help you determine the proper dollar amount of coverage.
  • What type of floor covering do you have? (carpet, tile, or painted cement?)
  • What is the value of furniture and stored items?
  • Do you have a pool table, bar, or home theater equipment to consider?
  • Is there a bathroom and is it a full or half bath?

Being proactive and prepared can bring peace of mind the next time the thunder roars and the lights flicker.  Call us today!

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