Will my homeowner’s insurance cover a flooded basement?

Will My Homeowner’s Insurance Cover a Flooded Basement?

It depends—and the details matter.

If your basement flooded from a burst pipe or a broken appliance, most standard homeowners insurance policies will cover the damage. That includes cleanup, water damage restoration, and repair to affected areas like drywall, flooring, or finished ceilings.

But if the water came from outside—like heavy rain, surface runoff, or groundwater seepage—you’ll likely need a separate flood insurance policy. This type of flooding is usually not covered by standard homeowners insurance.

We see this a lot across Grove City, Hilliard, Columbus, and surrounding Ohio towns. A heavy downpour overwhelms older drainage systems or seeps through basement walls and floors. That kind of water damage isn’t covered unless you’ve added flood insurance through the National Flood Insurance Program (NFIP) or a private carrier.

Here’s What We Tell Homeowners After a Basement Flood:

• Call your insurance company right away. They’ll explain your coverage.

• Start documenting everything. Photos, video, and a written list of damage are critical.

• Then call us. At Total Home Water Restoration, we’ve worked with just about every major insurer. We know how to document your damage and help you file the right claim.

Whether you’re dealing with soaked carpet, ruined drywall, or potential mold—our team handles everything from water extraction to repairs. Fast, clean, and done right.

Don’t Guess—Ask. We’ll Walk You Through It.

If you're unsure whether your flooded basement is covered, give us a call. We’ll assess the situation and help you figure out next steps. Our team has helped homeowners across the Grove City and Columbus area through these tough moments, and we’re always on your side.

“From disaster to done right. We fix it like it’s our own home.”

Contact Total Home Water Restoration

4141 Hoover Rd, Grove City, OH 43123
📞 380-246-1837