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A sewage smell in your crawl space is usually from a damaged or clogged pipe leaking sewer gasses or actual sewage underneath your home, but there are some other common causes. Moisture, from poor or damaged encapsulation or a malfunctioning sump pump, can harbor mold and bacteria, causing a musty smell. Pests can also get stuck in your crawl space and die, which causes a sewage-like odor.

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.

This depends on the location of the blockage. If the blockage is in your home’s system, anywhere in the system, it is your responsibility as a homeowner. Blockages seldom happen because of items or buildup coming from the city, which means it originates in the home. It becomes the city’s responsibility at the exact point your home’s line distributes waste into the city’s system. The exception is if the problem in your home damages the city lines.  

If methods like hot water or a plunger don’t work on your clogged drain, you can snake your drain to dislodge the plug. This can be a messy process, taking some physical effort and additional time over the other drain-clearing options. You can purchase a drain snake at a hardware store and choose from handheld options or those attached to a drill. Just work slowly, and be ready to call a plumber if you’re unable to reach the clog from your drain or P-trap.