What Do I Do If My Sump Pump Stops Working? - NYCM Insurance Blog

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May 14, 2020

What Do I Do If My Sump Pump Stops Working?

If your home has a basement, you might also have a sump pump. Use these tips in the event that something goes wrong and your sump pump fails.

What is a sump pump?

A sump pump is a water pump that is used to remove rain or ground water that seeps into a basement that is typically built below the water table. The pump transports the water from a basin in the basement floor to a storm drain or other approved water receptacle. In some basements that are not below the water table, a sump pump may still be used to prevent other types of flooding or excess moisture.

What to do if your sump pump overflows

If your sump pump stops working it is important to take action quickly because your basement will likely begin to flood. Take the following steps to try to get your sump pump back up and running:

·        Make sure your power is working: Sump pumps run on electricity, so an important first step is to make sure the electricity is getting to the pump. In fact, power outages are one of the leading causes of sump pump failure.
·        Reset your sump pump: If the power is still on in the rest of your home, you should try resetting the pump by unplugging it for a few seconds and plugging it back in. If the reset is successful, you may still want to have a technician inspect the pump to make sure it does not fail again.
·        Unclog your pump: If your sump pump still is not working properly, the issue may be that the pump is clogged. Water that goes through the pump may carry debris that gets stuck in the basin and impacts the pump’s performance. If you are going to unclog the pump, make sure it is unplugged from its power source first. Then, reach into the basin and clean out any debris that has accumulated.
·        If all else fails, call a technician: Your sump pump’s failure may indicate that it is time to replace it.

How do I keep my sump pump from overflowing?

Sump pumps require special attention and maintenance to ensure that they continue working. Here are some examples of steps you should take to keep your basement dry and your sump pump running:
       Schedule regular maintenance for your sump pump several times a year.
       Flush it out with water and vinegar to remove particles and residue that have built up inside the pump.
       Regularly inspect your outside drainage to make sure your sump pump is discharging water.
       Clean outside drainage tubing or piping to prevent water from being blocked.
       Consider having a professional service your pump every few years.

Does my insurance cover sump overflow?

Homeowners insurance policies generally do not cover sump pump failure. However, NYCM Insurance offers additional coverage that can cover the water damage that is caused by sump overflow. Through our Premier Protection, Premier Plus Protection and Premier Plus High Value Protection homeowners insurance coverage policies, we offer extended water damage coverage. The amount of coverage available varies by form so speak with your agent to extend your coverage and see which option is right for you and your home.

Whether or not your insurance covers sump pump failure and water damage, it is important to monitor your sump pump and perform maintenance on it regularly to ensure everything continues to work smoothly.