Flooded basements are a nightmare for any homeowner. When any extensive damage happens, homeowners will check to see if they are covered under their insurance policy. But what if the flooded is a result of your sump pump failing? What if you do not have a sump pump battery backup? Does your insurance cover that scenario? That’s when the sump pump insurance rider is necessary.
Adding a sump pump insurance rider covers you if your sump pump fails during a power outage. But there are other steps you can take to help minimize the damage, and the costs, in case your sump pump fails.
Regular maintenance of your sump pump can mean that you are more likely to spot any problems before they occur, while also giving you the peace of mind that your system is still in excellent condition. Moreso, if an insurance company discovers that the sump pump failure could have been easily prevented, you may not be covered under the rider.
Installing a battery backup to your sump pump system can ensure that even if the power goes out in your area, your sump pump will continue its operation. The Sump and Sewage Pump Manufacturers Association says that in addition to protecting valuable possessions and property, the best benefit of having a backup system is avoiding the frustration and hours of cleanup associated with a flood.
As another backup for your backup, consider a power generator, especially if you live in an area that has frequent power outages, or is known to have frequent floods.
Any of these steps will help prevent your basement from flooding due to sump pump failure. Review your insurance policy to be sure what is and is not covered in case of a flood, and add a sump pump insurance rider to protect your home further, your valuables, and your family.
To prevent your basement from flooding and to check if your sump pump needs maintenance, consult the professionals at Kellermeier Plumbing by calling 616-866-5134.