Does Insurance Cover Crawl Space Repair?

Written By Holly Richards-PurpuraPublished on 07/29/2024

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.

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!

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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 over 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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