@Merlin posted:I just wanted people to know that over the years (23) I have made my basement water proof from hearing about horror stories like this. I had French drains installed with 2 sump pumps. All appliances,furnace,water heater,washer and dryer are all installed on cinder block. As you can see in the pictures I put shelving all around the walls of the bsmt with 2 feet clearance. Anything placed on the floor had to be in plastic containers. The one thing Mother Nature got me was the sewage. You think you can plan for everything but you can’t. I am having a back flow preventer installed on the sewer line next friday but I have to say the pressure was so strong that I hope this will help if it happens again. In NJ Home Insurance does not cover flood. You must purchase flood Insurance which cost around 2 thousand a year. My mistake was not insuring them. I did look around last year and received a quote for a 125 a year. I felt confident that nothing would happen and it came back to bite me in the end. I do agree the storms are getting much stronger and will start affecting more of the communities unfortunately. Thank you for all your responses. I am following your directions and have 4 cans of air cleaner and some gallons of distilled water so hopefully I can post some videos of some running trains. Thank you everyone.
Flood insurance only covers where there is an external flood, like if a river or lake overflows, water rises on the property and floods the house. It doesn't cover if ground water comes up, if for example your sump pump fails or you lose power. Where I live, which is a once in a hundred year flood plain (basically means never outside Noah showing up), it is up to about 600 a year (I would guess people in flood zones, like near the shore, it is a lot more). I haven't checked into it but I have been told you can protect the critical gear in a basement for situations like the sump pump breaking down, etc as a rider on a homeowners policy that flood insurance won't cover.
Backflow valves on sewers can fail. Many years ago my wife and I lived in Hoboken, NJ (right on the Hudson river) in a basement apartment. The Hoboken sewer system was notoriously bad, when you had flood high conditions on the hudson river due to super moons or storms, the system would back up. Our apartment had a backcheck valve, and there were several times it didn't work, so it may not always work (but better than nothing)