The Big Issue: Does Insurance Cover Water Damage?

Typically, insurance does not cover outside ground water that comes indoors. (*some policies excluded) First, check with your insurance company to see if your water intrusion is covered.

If insurance doesn’t cover the damage, many homeowners are in a frantic bind trying to resolve the situation themselves. We strongly advise you to call for professional help as soon as possible because water damage can lead to problems quickly.

  • We have a team to finish the job in probably a few hours.
  • Our equipment and products will extract water, dry structures, and sanitize your home efficiently.

Please call us at 269.344.3600.


If you can’t call a professional right now, here are helpful steps on how to start getting water out of your basement:

  1. Take Safety Precautions

    • No Live Power
    • If you have standing water in your basement, make sure there is no live power that may shock you as you step into the water. As you know, electricity and water don’t mix.

    • Contaminated Water
    • Be aware that outside ground water is considered contaminated water. Murky groundwater is not safe to be in your home. See note below

    • Protection Equipment
    • Because of the contaminated water, personal protection equipment should be used (gloves, boots, goggles, extra clothes to cover all skin, and mask, if necessary) Your basement is already flooded, make sure to protect yourself from a hospital trip.

  2. Remove Items

    Remove all cardboard that has been affected. Cardboard breaks down very easily when wet and traps tons of water. Eliminate cardboard from the picture. Then, remove as many wet valuables and items as you can, and move them to a dry place (outside, driveway, garage, friend’s house, in extra parts of the house, anywhere you can think of).

  3. Extract the Water

    Once the site is safe, extracting water with a sump pump or wet vac will be your best resource. You could settle for or a carpet cleaning machine. Unfortunately, these personal machines don’t have enough power to dry structures like they should, but this will get you by, depending on how much water you are dealing with. There might be too much water for you to handle alone. Please call for help.

  4. Remove More Material

    The water came in from outside and is contaminated water, so you will need to remove all materials affected, like drywall, trim, carpet, and padding. Yes, this needs to happen. The outside water poses too many problems to take a risk.

  5. Get Your Basement Dry

    Set up air movement (fans everywhere) and a dehumidifier after all the water has been extracted. It is very important you get the whole structure of your basement dry because mold will begin to grow after 72 hrs. You don’t want to mess around with mold at all.

    Call us now for help. 269.344.3600


    Outside Water is Contaminated Water?
    According to the Institute of Inspection, Cleaning and Restoration, ground water ranks as the highest of 3 category levels of water contamination. This means that flood water is “grossly unsanitary” and is rife with bacteria and other unsafe ingredients. ServiceMaster uses strong sanitizing agents to greatly reduce the potentially negative health effects of this water.

    Other Resources

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