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Home Insurance Video Series: If Water Comes Into Your Basement, Will Insurance Cover It?

Joseph Coupal - Wednesday, March 11, 2020

The Crackman, Rich Comeras, as a public service, shares common questions that homeowners have regarding a wide range of homeowner insurance coverages. Today he is joined by his friend, Peter Marshall, from Marshall Insurance where they discuss: IF WATER COMES INTO YOUR BASEMENT, WILL INSURANCE COVER IT?

Rich: Hi, thanks for joining us. I’m Rich from A1 Foundation Crack Repair, I’m here with Peter Marshall from Marshall Insurance Company, answering questions about insurance and foundations that can save you a lot of money. Peter, the first question I’d like to ask you is if water does come into your basement, is your insurance covering -- going to cover the damage in repair?

Peter: If water comes in -- if it’s surface water, that excess surface water that doesn’t drain properly and comes into the house through the foundation, the homeowner’s policy is not going to cover that. You would need flood insurance to cover that. And with flood insurance, not every time they’re surface water is it considered a flood. So, the definition of flood in a flood insurance policy is that it needs to either inundate more than two acres of land, or two or more contiguous lots to meet the definition of a flood. So, flood insurance would be the way to go but it’s not always going to be covered, it must meet those few requirements in a flood policy. But the homeowner’s is never going to cover surface water.

Rich: And I understand flood insurance can get kind of pricey. Peter you gave us some great information on water infiltration, and is it covered by insurance. Thank you very much. vPeter: Thank you.

If you have a basement water problem and think you need a professional, or, if you’d like more information on foundation repair and waterproofing topics, please visit or call Rich at (866) 929-3171. Or you can email rich at Thanks for watching and keep that basement dry.

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