That all depends on your individual insurance plan. However, most homeowners’ insurance policies have specific requirements when it comes to crawl space damage. Generally, any damage that is caused by uncontrollable circumstances (hurricanes, flash flooding, etc.) will potentially be covered by your plan. Damage that is caused by a preventable circumstance such as old floorboards or a leaking appliance, will probably be seen as “neglect” by the insurance company. Make sure to check with your insurance company for the exact specifics if your home is suffering from sagging floors.