Action You Can Take Now to Prevent Water in Your Basement and Ensure Available Insurance Coverage

Do you have water damage insurance coverage?

water damage insurance coverage

The Problem: Excessive Rain

Minnesota has recently shifted from drought to heavy rains, causing flooding and raising concerns about water damage. Many homes are experiencing issues like flooded basements, often due to heavy rainfall overwhelming sump pumps, and leading to surface water run-off.

Insurance Coverage Limitations

Typical home insurance policies often do not cover water that seeps through walls or floors, considering it flood-related and excluded. Separate flood insurance is necessary for those in floodplains.

water damage insurance coverage

Sewer Backup and Sump Pump Failure

Sewer Backup: Water from the sewer system can flow back into your home due to blockages or heavy rains, causing extensive damage and contamination.

Sump Pump Failure: These pumps remove accumulated water in basements. Failures, often due to power outages or mechanical issues, lead to flooding and significant property damage.

Financial Impact: Cleanup and restoration costs can reach thousands of dollars. Stories from homeowners highlight the significant financial burden and regret of not having adequate coverage.

Health Risks

Contaminated water from sewer backups poses serious health risks, including infections and mold growth, which can exacerbate respiratory issues.

Importance of Adequate Insurance

To avoid out-of-pocket expenses, ensure your policy includes coverage for sewer backups, sump pump failures, and possibly flood insurance. Discuss with your insurance agent to ensure sufficient coverage and limits.


  1. Comprehensive Protection: Protects against specific risks not covered by standard policies.
  2. Cost Savings: Low-cost additions to your policy can prevent expensive damage costs.
  3. Prompt Response: Facilitates quick, professional help, minimizing damage.
  4. Health Protection: Ensures thorough cleanup, protecting your family’s health.
  5. Peace of Mind: Provides security against potential disasters.
water damage insurance coverage

Preventive Tips for Homeowners

  • Regular Maintenance: Inspect plumbing and sump pump systems regularly.
  • Backup Power: Install a battery backup or generator for sump pumps.
  • Inspect Sewer Lines: Regularly check and clear sewer lines, especially in older homes.
  • Install Backwater Valves: Prevent sewer water backflow.
  • Landscaping: Direct water away from the foundation.
  • Gutters and Drainpipes: Ensure proper water diversion away from your home.
  • Window Well Covers: Prevent water collection around windows.
  • Drain Tile Installation: Redirect water from the foundation.
  • Vetted Experts: Have contacts for trusted water restoration professionals.
  • Professional Help: Avoid DIY fixes for significant water damage.


Addressing water damage risks through insurance and preventive maintenance is crucial. Review your policy with your agent and consider adding or increasing coverage for sewer line, backup, and sump pump failures. If in a flood-prone area, inquire about flood insurance. Take action now to safeguard your home and finances.

Don’t wait for disaster to strike. Review your insurance coverage today!

Call Lindstrom Restoration at 763-544-8761 for expert help with any water damage!