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Does Homeowner’s Insurance Cover Water in a Crawl Space?

Crawl Space Repair

05/09/2024

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Water in a crawl space is pretty common. Unfortunately, most homeowners insurance plans don’t cover water in a crawl space. Instead, the homeowner will be responsible for dealing with the foundation water problem. Fortunately, there are ways to perform crawl space waterproofing with the help of a professional.

Causes of Crawl Space Water Damage

  1. Short downspouts: After water enters your gutters, it flows into a downspout that should move the water away from the home. Unfortunately, when these downspouts are too short, they can deposit water near the foundation.
  2. Clogged gutters: Your gutters collect rainwater from your roof and convey it away. When these gutters are clogged, they allow water to seep over the edge and puddle near the foundation. Puddling water may eventually seep into your crawl space.
  3. Accumulations of hydrostatic pressure: Much water exists below the soil’s surface. When this water contacts your foundation, it may deform the walls or cause water to seep inside.
  4. Drainage issues: Have a professional evaluate your foundation drainage system. If this system is clogged, broken, or non-existent, it may result in crawl space water. Additionally, drainage problems can lead to hydrostatic pressure, resulting in several issues.
  5. Poor grading: Check the land surrounding the home. If it is flat or slopes towards the foundation, it encourages water to puddle and fill the crawl space, leading to problems.

Fix Crawl Space Drainage Issues

Ways Water in a Crawl Space Damages a Home

  1. Structural problems: When a crawl space lacks waterproofing, excessive moisture accumulates and affects the structural elements in your foundation. If these elements consist of wood, they are prone to rot and decay.
  2. Damage to stored items in the crawl space: Many people use their crawl space for storage. Unfortunately, water in a crawl space will quickly cause water damage and may ruin stored items.
  3. Mold and mildew: Increasing moisture in a crawl space encourages mold and mildew to grow. These substances can affect the structural integrity of a crawl space, and they are a health hazard, especially for those with preexisting lung conditions. Mold and mildew growth also produces foul odors that spread throughout the house.
  4. Water stains: Water in a crawl space can leave lasting damage in the form of visible stains. These stains can be unsightly and incredibly difficult to remove.

Best Crawl Space Waterproofing Service

If you want to hire someone to perform crawl space waterproofing, the best service you can select is crawl space encapsulation. This process involves several steps that repair your crawl space, eliminate water, and prevent water from becoming a future issue. Here is what is involved:

  1. Elimination of standing water: If standing water exists in your foundation, the team you hire will begin by removing it from the area. That team may also assess the presence of excessive moisture in the air.
  2. Structural repair or replacement: Long-standing water usually results in structural damage. After removing standing water, your foundation team should repair or replace any damaged structures.
  3. Drainage improvements: A faulty drainage system is often the cause of crawl space moisture. When performing crawl space waterproofing, it is also essential to repair or replace the drainage system.
  4. Create a seal for crawl space vents: Many homeowners assume crawl space vents help keep air flowing in a foundation area. However, these vents can cause more moisture to arrive. The best approach is to seal the vents entirely.
  5. Install a vapor barrier: The vapor barrier your crawl space team installs creates a complete seal between inside the crawl space and outside. This keeps water and pests out.
  6. Dehumidification: After performing all the steps above, it’s best to install a dehumidification system in your crawl space. Dehumidification allows you to control the amount of moisture in your crawl space. It also lets you set the ideal relative humidity level.

crawl space waterproofing- Discover if homeowners insurance has your back when it comes to water in the crawl space. Read our insightful blog post tailored for homeowners seeking clarity.

Will Insurance Cover a Crawl Space Waterproofing Service?

Most insurance agreements cover natural disasters and accidents beyond a homeowner’s control. Many of these agreements will not provide funds for a waterproofing service or crawl space encapsulation. Still, whether your insurance covers this service depends on your specific agreement and many factors related to your foundation space.

Can You Perform Crawl Space Waterproofing on Your Own?

Basement and crawl space waterproofing are not projects you should attempt alone. Those lacking experience and skill will likely worsen a crawl space water issue. A better approach is to hire a professional who can accurately diagnose your crawl space water problem and provide the ideal solution.

crawl space waterproofing- Discover if homeowners insurance has your back when it comes to water in the crawl space. Read our insightful blog post tailored for homeowners seeking clarity.

Does Crawl Space Encapsulation Last a Long Time?

Encapsulation is the ideal crawl space waterproofing solution. Still, many people wonder how long it will last. The factors influencing the longevity of your crawl space encapsulation vary. Still, most encapsulation services last for about 15 years or more.

Find a Professional Near You to Perform Crawl Space Encapsulation

Hiring a professional for crawl space waterproofing sooner rather than later is better. After all, any unaddressed water issues can quickly result in the damages we mentioned above. The ideal approach is to find an experienced crawl space team near you.

For anyone in the Triangle, Triad, or Eastern North Carolina, Regional Foundation & Crawl Space Repair is the best team you can choose for crawl space encapsulation. We have spent time encapsulating many crawl spaces and would enjoy helping with your crawl space waterproofing efforts. Contact us immediately to resolve crawl space water problems and learn more about our services.