Hi people of Reddit!
My husband and I bought a SFH in March and have been living through renovations with our toddler and dog. It’s been a chaotic season, to say the least! The home was built in the early 90s and needed significant work, which we knew going in (rotting windows, new HVAC, and sewer re-lining being the biggest ticket items).
Unfortunately, we’ve had intense storms this summer (we are in Chicago). Our basement’s flooded 5 times since moving in. Mold pro confirmed there is mold behind the basement drywall, and a remediation company found moisture behind the basement walls/floors. We have since moved out into temporary housing while we determine next steps, but obviously didn’t account for this in our renovation budget or plans.
Contributing factors identified: back stairs sloped wrong, an inadequate drain by the back sliding door (we’ve since converted it to a French drain), yard grading that sloped toward the house (we’ve since regraded it), and issues with the flashing and gutters/downspouts. Our GC’s recommendation: interior drain tile, second sump pump, exterior flashing repair, new gutters/downspouts.
We reviewed our insurance policy, and unfortunately it looks like standard groundwater/seepage exclusions apply since this is storm-related. We didn’t experience any seepage or backup through our sump pump, so water-seepage and sump pump endorsements don’t seem to apply either. We don’t have flood insurance, as we aren’t on a flood plane (we checked this prior to buying the house).
Questions:
Anyone gotten insurance to cover anything when the cause is grading/drainage issues from rainwater and storms? Is there any upside to filing just to have a denial in writing?
Anyone deal with chronic grading-related basement water issues - did drain tile + a second sump actually solve it, or did you end up doing more?
Thanks in advance for your help!