Basement flooding and sewer backup in South Dakota
Plumbers for backwater valves, sump pumps and drains.
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What applies across South Dakota
Storms on the night of July 28, 2025 brought winds exceeding 65 miles per hour and caused outages for 6,400 customers in South Dakota. By the afternoon of July 29, crews had restored service to more than 5,400 of them.
The South Dakota Division of Insurance says a homeowner's policy may not cover water in the basement, depending on the situation or source. Seepage through the walls is commonly excluded, while water from a sewage system back-up or flooding ground water may be covered.
South Dakota Division of Insurance (source, opens in a new tab)
In South Dakota, flood insurance is administered through FEMA's National Flood Insurance Program. It differs from most homeowner or dwelling policies, which in most cases do not cover flood damage.
South Dakota Division of Insurance (source, opens in a new tab)
Before you hire
Ask which permits the job needs and who will get them; your municipal building department can tell you before work starts.
Get written quotes from at least three contractors for the same work, and check references from recent clients.
Put it in a written contract: the work, price, deposit, start and finish dates, warranty, permits and clean-up. Paying cash to skip it leaves you no recourse.