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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.

A sewer cleanout typically looks like a white or gray PVC pipe with a removable cap. It's often located either in your yard or basement, depending on your home's plumbing configuration. The cleanout pipe is designed to provide easy access to your sewer system for maintenance and inspections. It may be flush with the ground or slightly elevated, making it distinguishable from other pipes. When you remove the cap, you can access the sewer line directly or determine its direction, which can be helpful when you need to locate your sewer line from your house to the street.

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 two-way cleanout can help if there’s already a clog, but the best strategy to prevent one is by not rinsing grease, oil, or fat down your drains, not flushing or rinsing coffee grounds or egg shells down your drains, flushing only human waste and toilet paper (so no diapers, period products, bathroom wipes, or paper towels), and using drain guards on all of your drains.