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Does Insurance Cover Crawl Space Repair?

Your crawl space is susceptible to various damage, but that doesn’t necessarily mean it’s beyond repair.

In a previous article, we shared four effective ways to remove crawl space moisture.

In this article, we address whether insurance covers crawl space repair and encapsulation.

This can be a complex issue, but we want to simplify it as much as possible. Let’s dive in!

Will Homeowner’s Insurance Cover Crawl Space Repair?

Insurance is essential for your health and safety, with coverage ranging from medical and life to auto and home and beyond. Most policies can be customized to meet your needs, giving you even more incentive to purchase them.

crew working in a nasty crawl space

Your home is a significant investment, and you’ll want to protect it with an additional investment: homeowner’s insurance. As the saying goes, “It’s better to have it and not need it than to need it and not have it.”

That said, coverage varies widely for things like crawl space repair and encapsulation. It depends on your provider and policy, but the general rule of thumb is that if it’s preventable, it’s not covered.

This includes crawl space repairs resulting from poor moisture management, pest infestations, and neglected maintenance. On the other hand, insurers typically cover crawl space damage caused by unforeseeable accidents or natural disasters. The best course of action is to carefully review your policy for covered perils and deductibles or contact your agent to initiate a claim.

How Can I Pay For Crawl Space Repair?

Baker's Waterproofing inspector meeting with a homeowner

It may be cumbersome, but filing an insurance claim is worth a shot to see if anything is covered. Experts like Baker’s Waterproofing can inspect your crawl space to determine the cause of damage and provide any necessary documentation for your insurance company, as well.

A considerable advantage of working with local pros like our team to repair or encapsulate your crawl space is you can take advantage of our diverse, flexible financing options. We work with you to customize a repair plan to fit your needs and budget.

What to Do Next

In this post, we discussed homeowner’s insurance and crawl space repair coverage. Insurance coverage is important, but your repair needs may not always be included.

There’s a lot more to cover with addressing crawl space issues, so keep checking back for more articles!

If you need crawl space encapsulation or repair, you can get a quick, easy, and free inspection from Baker’s Waterproofing. Just click the button below to get started!

Holly Richards-Purpura

Holly Richards-Purpura

Content Writer

Holly is a Content Writer for Groundworks who has written and edited web content for the foundation services industry for 10 years. With a background in journalism, her passion for the written word runs deep. Holly lives in Columbus, OH, with her husband. Along with educating homeowners, she also has a big heart for the Big Apple.

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We are very pleased with the work that was done. We had our garage floor lifted and foundation piers installed. Both of your teams were…

We are very pleased with the work that was done. We had our garage floor lifted and foundation piers installed. Both of your teams were very professional and very careful with our property. Chad, Bert, Rhan, Chris, Toby, and Dawson are the kind of employees you need to hang on to!!!

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The guys were very professional and informative from the sales person to the guys working at the house. I would recommend this company.

The guys were very professional and informative from the sales person to the guys working at the house. I would recommend this company.

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I had contacted Bakers because of some issues we had with water in the basement. They had sent over Cale, Shay, and Greg. They were all…

I had contacted Bakers because of some issues we had with water in the basement. They had sent over Cale, Shay, and Greg. They were all very thorough and explained everything that would be happening. They kept me informed throughout the process and were able to resolve the issues I was experiencing. They did an amazing job, and I would highly recommend this company if you need some water proofing done!

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The men were very professional. Would hire them again. Clean, had a great system. Chris Snyder, Evan Fry, Frank Diebler. Great team

The men were very professional. Would hire them again. Clean, had a great system. Chris Snyder, Evan Fry, Frank Diebler. Great team

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Lucas + Steven Selleck and Dalton Bardole are an amazing team they get the job done and are highly experienced you can tell from the day…

Lucas + Steven Selleck and Dalton Bardole are an amazing team they get the job done and are highly experienced you can tell from the day they walk on the job.. I would highly recommend for any job they are certified to do, this is the team you want. Thanks so much Bakers Waterproofing..

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We experienced damage to the sill plate and joists in our crawlspace due to a leaking waterline to a refrigerator. Once Jeff and Scott…

We experienced damage to the sill plate and joists in our crawlspace due to a leaking waterline to a refrigerator. Once Jeff and Scott inspected the crawlspace, they got things moving quickly. Just two days after the plan was devised, Brian, Darren and Garrett were on the scene replacing the sill plate and sistering the damaged joists. The office staff was quick and efficient. All in all, it was both a pleasure and a relief to be treated so well by your company.

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Had basement dewatering system and sump pump installed.Bert Jr, Ahishire G. and Jeff B. we're great! Very efficient, patient and…

Had basement dewatering system and sump pump installed.Bert Jr, Ahishire G. and Jeff B. we're great! Very efficient, patient and professional in the actions while they were here. Felt well served. Now if the we have problems we know who to call . Thanks guys. "Lunch is ready"!😁Update:After several months, Chad and crew arrived to reroute our discharge system from our sump pump. Very neat work and hopefully our yard will dry out.

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Brendan Byham performed a thorough inspection at a house we were looking to purchase. He was kind, responsive, and professional. Reviewed …

Brendan Byham performed a thorough inspection at a house we were looking to purchase. He was kind, responsive, and professional. Reviewed the issues with me in depth and helped me make an informed decision.

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Chris Snyder, Jake, and Jon of Baker Waterproofing did an outstanding job on the installation of our system! They were superbly…

Chris Snyder, Jake, and Jon of Baker Waterproofing did an outstanding job on the installation of our system! They were superbly professional, courteous, and helpful to us. They worked hard, quickly, and with as minimal disruption to our household as possible. There was one spot where they had to bore through the exterior wall through very recent, expensive, and high quality stone facing… they did a FANTASTIC job of that, totally minimizing any damage or disfigurement to the facing. We were extremely grateful for that! We thought the job would take all day but they finished before that and did an admirable job of completely cleaning up the work site. We heartily recommend them!

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The technician, Bill, just finished the first annual inspection of the installation that was completed a year ago and I wanted to add my 2…

The technician, Bill, just finished the first annual inspection of the installation that was completed a year ago and I wanted to add my 2 cents worth to the many positive reviews already up. From estimate to this first inspection my experience with Bakers Waterproofing has truly been 5 star! At installation the technician felt that changing to wall anchors would be a better choice and, after some discussion with the company, was able to do the job with only a small adjustment in the final price. Since that time, each time I go into the basement, I am impressed with the appearance of the work and the knowledge that that wall is secure! Add to that the personable and caring technicians that do the follow-up work and I am confident in recommending Baker Waterproofing to anyone that asks!

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Sean, Grace and Ed were the dream team of basement waterproofing. They are very professional, knowledgeable, and efficient. They explained…

Sean, Grace and Ed were the dream team of basement waterproofing. They are very professional, knowledgeable, and efficient. They explained the entire process and answered our every question. I would be happy to have them back again to work in our home!

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Hired to mitigate water seeping in basement. Efficient, professional and responsive. Tidy job site. Jacob M, Hieu, and James S were…

Hired to mitigate water seeping in basement. Efficient, professional and responsive. Tidy job site. Jacob M, Hieu, and James S were pleasant and respectful of the home's contents. We will have to see how well it works but so far a great experience with Baker's.

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Excellent, thorough work by Lukas Selleck, Jason Schaeffer, Dalton Bardok, and others.

Excellent, thorough work by Lukas Selleck, Jason Schaeffer, Dalton Bardok, and others.

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Chris Trcuitz removed an existing hot water radiator so that a line could be put in my basement for waterproofing.Chris called me several…

Chris Trcuitz removed an existing hot water radiator so that a line could be put in my basement for waterproofing.Chris called me several times to report his progress with his other jobs; and to tell me when he would be arriving.Chris was polite; and very knowledgeable. He did an excellent job and cleaned up the area nicely. Chris even arranged all of the heating pieces into a neat pile so my neighbor had no problem carrying the away.It was a pleasure to have Chris in my home as a professional , polite, and very capable worker.

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Baker’s Waterproofing did a spectacular job lifting our stairs and walkway! They were clean, precise, caring and very professional. We no…

Baker’s Waterproofing did a spectacular job lifting our stairs and walkway! They were clean, precise, caring and very professional. We no longer struggle to climb our stairs and do not expect to have the kind of water problems we were having in these areas. Hayden S. and Andy H. work very well together and come highly recommended!

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Excellent and seamless experience from start to finish thank you

Excellent and seamless experience from start to finish thank you

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Basement waterproofing project was completed ahead of schedule and met all expectations. Cale, Shay, and Brandon left the work area cleaner …

Basement waterproofing project was completed ahead of schedule and met all expectations. Cale, Shay, and Brandon left the work area cleaner than it was when they arrived. Would definitely recommend.

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Lukos Selleck, Steven Selleck, & Dalton Bardole did a great job on the crawl spaces. Very professional and made sure that any questions…

Lukos Selleck, Steven Selleck, & Dalton Bardole did a great job on the crawl spaces. Very professional and made sure that any questions that I had were answer. Clean up was good

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Bakers waterproofing was great. We had a lot of humidity accumulating in a crawl space beneath our kitchen. They were quick to come out and …

Bakers waterproofing was great. We had a lot of humidity accumulating in a crawl space beneath our kitchen. They were quick to come out and assess the situation. Andrew Suttmiller worked with us to find a solution that worked for our budget. On the day of install Tysean Lacks and Geovanni Medina worked their butts off to make sure everything was done in one day.

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Chris Snyder worked very hard for three days to install a new drain / sump/ waterproofing project at our house. His assistants Henry and…

Chris Snyder worked very hard for three days to install a new drain / sump/ waterproofing project at our house. His assistants Henry and Darius also worked hard staying the third night of the project until after 9:00 p.m. and working in the dark to finish up the outside portion in our yard. They went above and beyond to complete the project.

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Baker's Waterproofing Service Areas

Our Locations

Central PA

3819 N Susquehanna Trail
Shamokin Dam, PA  17876

Harrisburg

922 North 3rd Street
Harrisburg, PA 17102

Hermitage

701 North Hermitage Rd, Suite 25,
Hermitage, PA 16148

Pittsburgh

5 Industrial Road, Building B
Washington, PA 15301

Wilkins Township

201 Penn Center Blvd Suite 400

Wilkins Township, PA 15235

York, PA

800 E King St, Suite 518
York, PA 17402