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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.

Yes, hiring a drain cleaner is worth it, especially when compared to the cost of not being able to use a sink, shower, toilet, or bathtub and the potential damage that flooding can cause in your home. You might try a temporary drain cleaning liquid or snaking it yourself, but if the clog is out of reach or these methods do not work, then hiring a professional drain cleaner is the way to go.

There are many things that could cause your basement floor drain to back up. One significant cause of a drainage backup is flushing non-flushable items, such as wipes, paper towels, and facial tissue. Other causes of a backed-up basement floor drain include tree roots impeding the drain pipe or an accumulation of hair, oil, and grease. 

Homeowners insurance usually doesn’t cover sewer backups because it’s typically an avoidable problem with proper maintenance. The only exception would be if the backup is occurring because of local flooding and only if your city uses a combined drainage system for stormwater and sewage. If that’s the case, your policy should cover any resulting damage.