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Water Proof Basement, and Avoid Potential Home Insurance Nightmares


Chicago ( – In the animal kingdom, a home’s basement would be at the bottom of the food chain. Despite being a key feature of a home, it is also one of the most vulnerable areas and should possess ultimate protection. Although it might seem a bit extreme, homeowners looking to protect their homes against damages should consider water-proofing their basement.

A recently published article on discusses the importance of water-proofing your basement. “[Your basement] rests on the foundation and any kind of damage to it can have a negative impact on the house as a whole,” the article, Homeowners Insurance And Your Basement, describes. “Although some people consider their basement to be a separate entity from their home and a place primarily for storage, you should keep in mind that an unsafe basement could lead to an unsafe house.”

Since basements are very susceptible to floods, most standard homeowners insurance policies provide protection against such natural events.

“The most common threat to your basement is water damage as a result of flooding, pipe breakage, and seepage from the ground,” the article states. “It is important that your homeowners insurance policy at least provides coverage from accidental discharge of water.”

A HO-3 policy is the most common homeowners coverage purchased. It provides protection against floods and water discharge, two things basements experience constantly. Unfortunately, the policy does not provide coverage for water seepage from the ground.

“This kind of damage is NOT covered under an HO-3 homeowners insurance policy nor is it covered with flood insurance if the seepage is not a direct result of a flood,” the article explains. “Contact a contractor about how you can successfully water-proof your basement to prevent water seepage.”

Don’t allow your basement to become a victim of water damage. By taking necessary precautions, you can water-proof your basement as best as you can. Talk to your homeowners insurance agent today to discuss the extent of your coverage your basement has under your home insurance policy, or visit for further information.


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