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A clogged sewer line is not typically covered by homeowner’s insurance, though some sewer line issues are covered. For instance, damage related to a fallen tree is usually covered. Though sewer line replacement is not covered in a standard insurance policy, some companies offer add-ons for this purpose. Read the fine print before spending your own money.

French drains may fail when they become clogged with soil granules that slip through the pores of the landscaping fabric and through the holes in the pipe. 

Over time, this debris can build up inside the pipe and prevent water flow. To prevent this failure from happening, regularly flush out your French drain and keep debris away from the inlet grate.

To get rid of a sewer smell in your crawl space, you’ll have to find the source of the problem. If it has to do with your sewer lines, then repairing the line will help. You may need to make other repairs, like fixing your sump pump or encapsulating your crawl space to reduce moisture. After you make the repair, depending on the issue, you may still need to clean out your crawl space to get rid of the stink.

A saturated leach field can result from various underlying issues, so it's best to call a professional septic company to diagnose and treat the problem. Depending on the cause of the saturation, potential fixes include pumping out a full septic tank, adding more bacteria to the tank, or regrading the soil to fix low spots. It may also be necessary to reroute rainwater and runoff away from the leach field using gutters, downspouts, and extenders. Once the primary issue is resolved, planting specific types of vegetation over the area can help absorb excess water. In more severe cases, you might need to install a larger septic tank or replace the leach field entirely.