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To determine whether your homeowners' insurance will cover crawl space repair, consider the cause of the issue. Repair may be covered if the problems were caused by an event that the insurance covers, such as vandalism or a windstorm. However, companies won't cover the repair if the issues are caused by neglect or wear and tear.

The best type of soil to build on is a mixture of sand and clay, known as loam soil. Loam soil has the best combination of these soil types to build a foundation on. The clay particles help with water retention, so it won’t erode like sandy soil might, and the sandy particles help with drainage, so you won’t see unsafe soil expansion or have an increased risk of leaks from water sitting against your foundation.

Professional installers often include a deep layer of crushed gravel under permeable pavers to allow more runoff to soak through into the soil below. Many installations will include multiple layers of gravel, with coarser aggregate at the base and finer aggregate that sits on top of that bottom layer. Above the gravel, you’ll often find coarse sand that helps reduce paver shifting over time. Some permeable paver designs include a water collection system set into the gravel layer to route runoff to a safe area for disposal.

Yes, you can technically make a crawl space liveable, but the only way to do so is by converting it into a basement. While some crawl spaces are big enough to walk through and store large items, they lack appropriate insulation and space to be liveable.