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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.

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.

Sewer gas in any location can cause eye and respiratory irritation if you’re exposed at low levels, or more severe symptoms if you’re exposed at high levels—but fortunately, the fresh air outside means it’s less likely to affect your physical health. However, sewer smells outside can still indicate significant plumbing problems that will need to be dealt with, such as a potentially damaged sewer line or roof vent pipe.

Ejector pumps can only push sewage 750 feet or less. That’s because their purpose is to move waste from your home to your sewer line—which is a relatively short distance. Grinder pumps can transport sewage further, but they manage lower volumes of waste than ejector pumps (and they don’t work with septic systems).