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Here comes spring… and the threat of floods | Mid-State Insurance

As winter turns to spring, the threat of flooding in your basement substantially increases. As soil thaws it becomes overly saturated with water. The water finds the easiest path to flow – usually along your home’s foundation, into the basement and into your sump pump basin. A sump pump is a last defense against flooding.

centrifugal-sump-pump-diagramAs the level of groundwater rises, the water is diverted into the sump hole. When water reaches the “critical level”, the sump pump begins to pump out excess water through a pipe that leads outside and away from your home’s foundation. The average lifespan of a sump pump is roughly 10 years. Pumps can malfunction and do eventually wear out. Fortunately, most sump pump problems can be avoided by a few regular maintenance checks and can be easily fixed by the homeowner.

Only a few inches of water in a basement can cause tens of thousands of dollars in damage. According to the Insurance Information Institute, water damage – including sump pump overflow, frozen and burst pipes – accounts for approximately 22% of all insurance claims. Unfortunately, many homeowners overlook water damage on their homeowner’s policy and do not have adequate protection.

To find out if your covered for water damage contact us by calling us at (262) 241-0550 or email us at agency@midstateis.com.

*Information obtained from Insurance Information Institute and Recoveron.