I live in a split level house( part of house in underground). When we get a substantial amount of rain in a short period of time rainwater seeps in from my foundation. Is there anything i can buy to prevent this. I thought of putting in a patio to maybe divert some of the rainwater. Any suggestions?
2006-06-26 02:23:17 · 10 answers · asked by timberlandgyrl1 1 in Home & Garden ➔ Maintenance & Repairs
The surrounding yard needs to be sloped away from the house. Downspouts should not be routed into the drain tile at the base of your foundation, they should discharge into their own drain tile system or to the surface that is sloping away from the house. If your foundation drain tile does not tun into a sump pump well, make sure it runs to daylight. It is not unusual for the end of the drain to become plugged with debris.
Chances are good that your homeowners will not pay off for the seepage that you describe. They will argue that you have the responsibility to maintain your home, including the abovementioned items.
Good luck with your problem.
2006-07-03 06:37:28 · answer #1 · answered by exbuilder 7 · 9⤊ 0⤋
A patio won't necessarily prevent this in fact it might aggravate your condition. Water that seeps in through the foundation of your home would most likely seep under the door leading to the proposed patio and again that would not be covered by your policy. There is a system alluded to in an earlier answer that would alleviate your ground water issue. A sump pump system would gave the water around your home's foundation a means of collecting in a controlled cistern and then pumped out and away from the foundation. This is a costly undertaking but so is the repeated damage you sustain after each steady rain over a short period of time. If there is a wall covering over the suspect area take it off and explore further as there might be a crack of a fissure that developed and now allows water into your home. If it is a crack then a foundation repair is all that is required costing a fraction of the sump pump system.
I've been in the insurance industry for 16yrs handling homeowner claims in many states and I'm not aware of any policy that would cover the seepage of water through a home's foundation.
A rule of thumb to follow when trying to determine if your home would cover naturally occurring water damage is as follows: Water from overhead is covered. Water from the sides or water from below is not covered. That's to say rain water that leaks in from the roof, a window or other structure is covered but water from the side(such as your case or a flood) or water from below as in the case of a sewer back up or water in the ground (also your case) is not covered. Polcies are finally being sold with additional endorsements that would offer some limited coverage for the sewer back ups but more often than not the coverage amount is meager $5k or less and the deductibles are higher than average too thus making reporting them not worth while.
2006-07-04 15:49:23 · answer #2 · answered by Handy but Perplexed 4 · 0⤊ 0⤋
You need to dig a trench around your house and put peagravel in the bottom and put black flexable drainage pipe in and run it so the water drains away from your house, only sure fix, plus make sure all gutter is in good shape, if you don't have gutter on the house all the water is running off the roof around your foundation, it is best to fix the problem to eliminate the water coming in, also put a dehumidifier in the lower level.
The excess water that is around your foundation will put excess pressure on the exteior walls when you get the hard rains.
2006-06-26 02:48:04 · answer #3 · answered by judy_derr38565 6 · 0⤊ 0⤋
your insurance should already cover that.. But I would seal the concrete from the outside and inside.. You will have to pull the dirst away from the house, then seal and put the dirt back. But it will be worth it.
2006-07-07 23:59:12 · answer #4 · answered by Mommadog 6 · 0⤊ 0⤋
If you can I think you'll find a few million others that would like to know the name of that insurance company.
2006-07-08 02:09:15 · answer #5 · answered by AL 6 · 0⤊ 0⤋
You can probably buy insurance to cover anything, depending on how much you want to pay for it.
2006-06-26 02:26:49 · answer #6 · answered by kibbie01 4 · 0⤊ 0⤋
check your drainage around the house. And make sure all the water is draining away from your house.
2006-06-26 02:29:34 · answer #7 · answered by ? 6 · 0⤊ 0⤋
That should be covered by homeowner's insurance. Most policies do, anyway.
2006-07-06 04:08:07 · answer #8 · answered by Sugar Pie 7 · 0⤊ 0⤋
yes but it may be expensive and u may have to prove u have no seepage now
2006-07-09 04:14:35 · answer #9 · answered by sirspadealot1 2 · 0⤊ 0⤋
if you have flood insurance that might be the closest you get.
2006-07-07 15:40:12 · answer #10 · answered by nyscplayer 2 · 0⤊ 0⤋