The Cost of Pump Failure
Updated February 20, 2026
A pump failure isn't just the cost of a new pump. It's the damage that happens while the pump isn't running. A failed sump pump during a storm can cause $10,000-$50,000 in basement flooding damage. A failed well pump means no water to the entire house. The cost of prevention -- testing, maintenance, and backup systems -- is trivial compared to the cost of failure.
Overview
A pump failure isn't just the cost of a new pump. It's the damage that happens while the pump isn't running. A failed sump pump during a storm can cause $10,000-$50,000 in basement flooding damage. A failed well pump means no water to the entire house. The cost of prevention -- testing, maintenance, and backup systems -- is trivial compared to the cost of failure.
Cost Breakdown
Pro Tips
- Check your homeowner's insurance policy for sump pump failure coverage. If it's not included, add a sump pump rider -- typically $50-$100/year for $10,000-$25,000 in coverage.
- A $200 battery backup sump pump is the cheapest insurance against basement flooding during power outages.
- Schedule well pump replacement proactively when the pump is 8-12 years old. Don't wait for it to fail on a Sunday.
- Test your sump pump and backup system quarterly. The test takes 10 minutes and validates your $10,000-$50,000 protection.
Mistakes to Avoid
- Assuming your homeowner's insurance covers sump pump failure. Many standard policies exclude it.
- Saving $200 by skipping the battery backup and gambling that power won't go out during a storm.
- Not knowing when your well pump was last replaced. If it's over 10 years old, plan for replacement.
- Treating pump maintenance as optional. A $100/year prevention budget protects against $10,000+ failures.
When to Call a Pro
After any pump failure that results in water or sewage in the living space, call a restoration company in addition to a plumber. Proper drying and remediation within 24-48 hours prevents mold growth that multiplies the damage cost.
Bottom Line
A sump pump failure averages $10,000-$50,000 in damage. A well pump failure costs $1,500-$4,000 in emergency service. Prevention costs under $100/year. The math is as simple as it gets in home ownership -- spend a little to protect a lot.