This past week has been non stop rainfall here in Colorado Springs. The
home we own was built in 1986. Up until 2 days ago, I had no idea there
was a sump pump in the home. I heard a loud noise coming from the basement
and after inspecting every possible nook and cranny, looked outside and
saw an over abundance of water spilling out onto my concrete patio ( which
by the way is about 5 in. away from my window well, therefore into my
window well. This posed no threat because the water wasnt leaking into the
window) After googling it I came to the realization that it was a sump
pump and read what its sole purpose was. Made sense with all the rainfall
we got in one week. Fast forward to today. I went into my basement and my
entire bedroom was drenched in water. Just the carpets. The walls all
appear to be intact and there is no erosion or bulging what so ever. This
of course, prompted me to do some research on sump pumps and the proper
installation of them and why there is NOT a splash block connected to the
valve the water comes out of. My question is: I have read that a sump pump
must have a splash block, whether concrete or plastic and it must not be
place d next to your foundation that will divert the water away from your
home. Ours DOES NOT have a splash block and it has had a splash block.
Now, we have water pouring into our room in the basement which is cause by
the lack of a splash block and are now having to file an insurance claim
with USAA. Are all homes(irregardless of age) required to have a drain of
some sort? When we bought the home, it passed inspection without there
ever being a splash block. Will our homeowners cover this seeing as how it
is considered part of the home? We surely had no clue about sump pumps and
splash blocks being a first time homeowner. And with it passing
inspection, there was no need to question it. Like I said in the
beginning, we had no idea the house had a sump pump much less what it did
or how it was to be installed. So, here we are with a bedroom soaked in
water and based off of my research, Im starting to believe it has to do
with the lack of a splash block. Can anyone give me some imput please. It
would be greatly appreciated.

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