Sump pump failed or basement flooding? What to do now and next time

Why sump pumps fail

The Illinois Department of Natural Resources Guide to Floodproofing lists ways to keep sump water out:

• Keep the intake clean so debris doesn’t block the pump.
• Size it right. A larger pump, or a second or third pump, can help if one can’t keep up.
• Plan for power outages with a battery backup or a generator (outside only).
• Disconnect downspouts from the footing drain so roof water doesn’t fill the sump.
• Send the discharge away from the house, and use a check valve so water doesn’t flow back into the pit.

Also check basement walls for cracks where water can get in. IDNR notes that moving water lines, a furnace or electrical boxes usually needs a building permit.

Sewer backup is a different problem

If water comes up through floor drains or toilets, the sanitary sewer may be backing up. IDNR describes four ways to protect a basement: a floor drain plug, a standpipe, an overhead sewer with an ejector pump, or a backflow (backup) valve. A licensed plumber can tell you which fits your home.

In the Chicago area, the Metropolitan Water Reclamation District says a sump pump should not discharge into the sanitary sewer, and that downspouts and driveway drains shouldn’t connect to it either. A licensed plumber can check your connections, and your town may have a cost-sharing program. See the MWRD brochure or call MWRD at 312.751.3260.

What insurance usually covers

MegaSavings is not an insurance agent or broker, doesn’t sell insurance and can’t tell you which policy to buy. Coverage depends on your policy, so read it and ask your insurer or a licensed agent.

• Homeowners and renters policies: the Insurance Information Institute says most standard policies don’t cover sewer or drain backup. Ask whether your insurer sells a backup endorsement.
• Flood insurance: NFIP basement coverage is limited. Building coverage can include items like a sump pump, furnace, water heater, central air unit, electrical boxes and cleanup. Washers, dryers and freezers are covered only under contents coverage, and finished walls, floors and most personal property in a basement aren’t covered (FEMA / NFIP).
• Buying flood insurance: there’s usually a waiting period before a new policy starts, so don’t wait for the forecast. See FloodSmart.

Hiring help

In Illinois, plumbers are licensed by the Illinois Department of Public Health. Check a license with the IDPH plumber license search. Illinois law requires a written contract with the total cost for home repair work over $1,000 (815 ILCS 513). After a storm, watch for door-to-door contractors who want full payment up front; see the FTC’s tips after weather emergencies.

Income-eligible households can ask about the Illinois Home Weatherization Assistance Program, and Chicago homeowners can check the City of Chicago Home Repair Program.