If you are one of those who have to encounter the problem of a flooded basement it is important that you be acquainted with homeowners' insurance. Most of the homeowners' policies that are there do not take into account basement flooding. There is no protection for a flooded basement unless it was caused due to a burst or a busted water line.



While homeowners' policies do not cover basement flooding, there is a separate rider that can be added to your homeowners insurance. This rider would cover basement flooding. For this you would have to pay $150-$200 more. If you have ever had the experience of a flooded basement, you would know that this money is well spent.

This rider however takes into account only the flooding that has been caused by sewer backup. If it is that the basement has been flooded due to cracks in the foundation or water seeping in through the walls or water entering the basement through the windows, it might be that your policy will not cover it. Most of the homeowners' policies have these rules. If your home is in a flood prone area then you might have to take flood insurance as is specified by FEMA.

In case you are faced with the problem of a flooded basement there are some tips that you can follow to help you while you claim your insurance. First get your camera and take photographs of your flooded basement so that you can furnish these when required by the insurance agent. Take photos of the water level and all the damaged belongings. This would help you to substantiate your claim. Videotaping is also a good option while you put forth your claims for the insurance. It is important that you contact your insurance agent and let him/her know about the situation. They would either start to settle the claims themselves or direct you to the appropriate department.

Some of the quick tips to prevent a flooded basement are:

* It is important that you have a functional sump pump in the basement. The sump pump should do its work while it is stationed there.

* A battery back up sump pump is better as it would save you should there be a power failure. It can also provide support to the primary sump pump.

* Your yard should drain the water away from the house.

* It is important that the walls of your basement are properly waterproofed.

* Regularly inspect your basement especially during storms or heavy rains.

* It is recommended that you install a sump pump that has a separate drain that takes water away from the house.

* Inspect your insurance to see how well does it protect your basement and what options of coverage are available for a flooded basement.

When your basement is flooded it might be that the basements of your neighbors are also flooded. It is best to contact your insurance agent as early as possible so that the processing of your claims start immediately.