French Drains and Home Insurance – What You Should Know

Insurance Rarely Covers Water Intrusion

Many homeowners assume insurance will handle water damage, but most policies don’t cover flooding due to poor drainage. This makes proactive drainage systems like French drains a vital home improvement investment.

Protection That Pays Off

Installing French drains can prevent thousands in potential damage—from ruined flooring to mold remediation. And in some cases, it may even help lower your risk profile with certain insurers. Some underwriters may look more favorably on properties that take action to reduce risk, such as installing perimeter drainage systems or crawl space protection.

The Documentation Matters

Professional installation, paired with receipts, permits, and contractor credentials, strengthens your position in the event of a claim. Insurance adjusters may view claims more favorably when they see the homeowner has taken preventive steps.