Water backup and sump pump overflow claims can be costly, and they’re also one of the more common causes of homeowner frustration because standard policies don’t always cover every type of water loss automatically. A working sump pump can help reduce the chance of a claim in the first place.
What it does
A sump pump is an essential device installed in a pit, also known as the sump, at the lowest point of a home’s basement or crawlspace to protect the foundation and structural integrity of a home. Sump pumps are critical for homes located on flat land, in low-lying areas, cold and wet climates, or with high water tables. They are designed to pump water away from the home before it can build up and flood the area.
Why it matters
When water gets into a basement or lower level, the damage can be expensive fast. A sump pump can help prevent or reduce claims involving:
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Flooring and carpet damage
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Drywall, trim, and paint damage
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Furniture and stored belongings loss
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Mold and mildew issues
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Damage to electrical systems or appliances
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Cleanup and water remediation costs
How Sump Pumps Work
Sump pumps work by collecting excess groundwater, often after heavy rain, that flows into a sump pit, or basin. Once the water reaches a certain level, a ball float switch is activated and turns the pump on. Then, the pump pushes water out of the house through a discharge pipe, safely moving that water away from your foundation. These pumps also have a check valve on the discharge pipe, which prevents water from flowing back to the pump after it shuts off.
Sump pumps can only handle clean groundwater. They should not be used to channel water from a washing machine or water softener or to circulate water in an ornamental pond or fountain.
In case of power outages, be sure your sump is equipped with a backup pump and emergency power to ensure it will continue to operate when the power goes off. A backup sump pump also protects secondary homes when they are unoccupied. A backup pump is positioned above the turn-on position of the main pump and runs on an alternate power source, often a battery. If the main pump fails, the water level rises and turns on the backup pump.
Two Types of Sump Pumps
Submersible pump | This pump rests at the bottom of the sump and can be submerged in water.
Pedestal, or upright, pump | This type of pump has the motor located above the pit, where it cannot get wet. Water is pumped out of the pit through a separate pipe into an area with proper drainage.
If your home has a sump pump, it’s worth asking:
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Is it working properly?
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Has it been tested recently?
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Does it have a battery backup in case the power goes out during a storm?
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Do you have water backup/sump overflow coverage on your homeowners policy
How to Maintain a Sump Pump
To ensure the sump pump remains in good working order, follow these maintenance tips:
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Remove the pump from the pit annually to clean out debris, mud and stones.
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Test regularly to ensure the float switch activates and the pump removes water quickly. Ensure the float switch moves freely. If it gets stuck against the wall of the sump, it won’t activate.
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Check the backup power system annually by temporarily unplugging the main pump. Batteries should be replaced every 2-3 years.
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Verify the check valve prevents water from flowing back into the sump pit.
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Clear debris, dirt and ice from the discharge line.
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Keep a secure lid on the sump to prevent debris or animals from falling into the pit.
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Inspect the power cord and outlet for damage.
With regular maintenance, a sump pump can help protect your home for many years. Contact us for more ways to prevent claims.
Choosing the right insurance agent is one of the most important decisions you will make. The Turner Agency, Inc. is a local Trusted Choice® independent insurance agency headquartered in Greenville, South Carolina. Serving the Upstate of South Carolina and beyond since 1962, we offer a variety of business and personal coverage choices and can customize an insurance plan to meet your specialized needs.
The information in this article was obtained from Cincinnati Insurance and various sources. It is not all inclusive regarding the subject matter. This content is offered for educational purposes only.
