Armour Insurance Blog

My Basement Flooded - Here's What I Learned (And What You Should Do First)

Written by Jake McCoy | Jun 24, 2026 5:15:06 PM

Over the weekend, I got my first real "welcome to homeownership" moment. I walked downstairs into my freshly renovated basement and found 3-4 inches of water covering the floor.

For a few seconds, I just stood there staring at it. If you've ever discovered a flooded basement, you know the feeling. Your stomach drops. Your brain immediately starts calculating how much damage has been done, what it's going to cost, and whether all the work you've put into your home is about to be undone.

After the initial panic wore off, I started working through the problem one step at a time. Looking back, there were a few things that helped tremendously and a few things I wish I'd known beforehand.

If you're dealing with a flooded basement right now, here's the process I followed and what I learned along the way.

The Steps we took:

  1. Figure Out Where the Water is Coming From
  2. Stay Safe Around Electricity
  3. Check Your Sump Pump
  4. Make Sure the Water Stays Away From the House
  5. Move Valuable Items Immediately
  6. Don't Forget Stored Building Materials 
  7. Remove Standing Water as Quickly as Possible
  8. Remove Water-Damaged Materials
  9. Start Drying Immediately
  10. Document Thoroughly 

Step 1: Figure Out Where The Water Is Coming From

Before doing anything else, try to determine the source of the water.

One thing that immediately stood out to me was that the water was clear. While that doesn't mean good news, it was better than the alternative. Clear water generally points toward rainwater or a plumbing issue. Dark, foul-smelling water can indicate a sewer backup, which is a much more serious cleanup situation.

Since it was pouring rain outside, I suspected rainwater was the culprit rather than a plumbing leak. Fortunately, that assumption turned out to be correct.

Step 2: Stay Safe Around Electricity

Before stepping into standing water, make sure there are no electrical hazards.

If water is near outlets, extension cords, power bars, appliances, or your electrical panel, proceed carefully. If there is any doubt, shut off power to the affected area and contact an electrician. Thankfully, none of our outlets or electrical devices were submerged, but it's one of the first things worth checking.

Step 3: Check Your Sump Pump

Once I suspected rainwater was entering the basement, the sump pump became the obvious place to investigate. A functioning sump pump can be the difference between a minor inconvenience and a major disaster.

In many homes, the sump pit is located in the utility room. Our house was built in the 1960s, and the sump basin is actually located inside a coat closet at the bottom of the stairs. When I checked it, the pump wasn't running.

The first thing I did was test the outlet. I happened to use a coffee maker, but any device with a light or power indicator works. The outlet was fine, which meant the issue was likely with the pump itself.

Like any good homeowner, I tried the technical troubleshooting method known as "unplug it and plug it back in again." No luck.

Fortunately, after reaching into the sump basin and manually moving the float up and down a few times, the pump kicked back to life. Within seconds it was pumping water out of the house again. That one small fix probably saved me from significantly more damage.

Step 4: Make Sure The Water Stays Away From The House

Getting the sump pump working is only half the battle. If the discharged water simply ends up beside your foundation, it can quickly find its way right back into the basement. When I went outside, I discovered the sump discharge pipe was dumping water only about 10 inches from the side of the house. Not ideal.

I didn't have 40 feet of flexible discharge hose sitting around, so I improvised. Using a combination of spare eavestrough sections, a shop vac hose, zip ties, and a tarp, I managed to redirect the water much farther away from the foundation. It wasn't pretty, but it worked.

At the same time, I checked all of the downspouts around the house to make sure they were clear and directing water away from the property.

Step 5: Move Valuable Items Immediately

Once I was confident that new water wasn't continuing to enter the basement, it was time for damage control. We started by moving anything valuable or water-sensitive out of the affected area.

We were fortunate that most of the flooding was confined to one area of the basement and the bedroom suffered only minor water intrusion in the closet. The sooner you remove belongings from standing water, the better chance you have of saving them.

Step 6: Don't Forget Stored Building Materials

One thing many homeowners overlook is the storage area. If you're anything like me, your utility room probably contains extra paint, flooring, ceiling tiles, trim, and other renovation leftovers.

We were able to save most of our spare materials, but the bottom few ceiling tiles had absorbed enough water to become completely unusable. It's worth checking these items early before they sit in water for hours.

Step 7: Remove Standing Water As Quickly As Possible

Once the source was under control, we focused on removing as much water as possible.

The tools that helped the most were surprisingly simple:

  • Wet/dry shop vacuum
  • Floor squeegee
  • Towels

The shop vac did the heavy lifting. After what felt like fifty trips to empty the tank, we had removed most of the standing water.

The squeegee turned out to be one of the most effective tools we used. We simply pushed water toward the sump pit and let the pump do the rest. After that, old towels handled the remaining moisture better than I expected.

Step 8: Remove Water-Damaged Materials

Even when the visible water is gone, moisture can remain trapped behind walls and under trim. Fortunately, our luxury vinyl plank flooring held up extremely well. Since it is waterproof and had been installed over an existing tile floor, we were able to salvage it.

The MDF baseboards were a different story. They had swollen and absorbed water, so they needed to be removed. We also cut away approximately 20 inches of drywall along the affected walls to allow everything behind them to dry properly.

One fortunate surprise was our spray foam insulation. Unlike traditional fiberglass insulation, it wasn't damaged by the water and could remain in place.

Step 9: Start Drying Immediately

Removing visible water is only the beginning. The next battle is moisture. Mold can begin developing surprisingly quickly, so drying everything out becomes the priority. I headed to the hardware store and came home with:

  • A large dehumidifier
  • Several high-volume fans

We positioned the fans to keep air moving throughout the affected areas and set the dehumidifier running continuously. We also switched our thermostat to its dehumidify setting to help remove additional moisture from the air. Since then, we've continued adjusting fan locations and monitoring humidity levels as different areas dry out.

Step 10: Document Thoroughly

Even if the damage initially appears manageable, take photos and videos before cleanup whenever possible. Document damaged materials, affected rooms, and any actions you take during cleanup.

The more documentation you have, the easier it is to start a claim if coverage applies.

The Biggest Lesson I Learned

The biggest lesson from this experience is that the first few hours matter. Every minute spent getting water away from the house, removing standing water, and drying affected materials can significantly reduce long-term damage.

What started as a panic-inducing discovery turned into a manageable cleanup because we worked through the problem one step at a time.

The basement isn't back to normal yet, but we're well on our way. While I hope I never have to deal with another flooded basement, I now feel a lot more prepared if I do.

If you're reading this while standing in a wet basement wondering where to start, take a breath. Focus on the source of the water, protect yourself from electrical hazards, get the water moving out, and start drying everything as quickly as possible. One step at a time.