Crawl Space Repair Cost in Portland, OR (2026)

Typical 2026 ranges for Portland crawl space work run from $1,525 (sump pump installation or mold remediation) to $12,325 (crawl space encapsulation). A standalone vapor barrier is $3,225 to $4,425; a drain, sump and ground cover for a wet crawl space is $3,825 to $6,800. Every range below states the project it prices, what it includes, and how it was produced.

Every inspection, quote, and repair is handled by an independent contractor licensed by the Oregon CCB (or Washington L&I across the river). We do the matching; they do the work.

19 service areas covered
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2026 Pricing

2026 Cost by Service

Every range below is a modelled estimate for the Portland/Vancouver metro in 2026, priced against a stated reference project rather than a national average — and it is an estimate, not collected quote data. The methodology page sets out the reference project, what each range includes and excludes, and the limitations. For what each job actually involves, the overview of crawl space repair services walks through every one; this page is about what they cost.

Service Typical Range What Pushes It to the High End
Vapor Barrier Installation Cost detail → $3,225–$4,425 Premium 20-mil cross-laminated barrier with wall coverage and double-sealed seams ($4,675–$6,375 total)
Crawl Space Drainage $3,825–$6,800 Complex hillside systems with multiple interceptors and long discharge runs ($7,225–$13,600)
Crawl Space Waterproofing Cost detail → $3,825–$6,800 Hillside lots with long discharge runs or significant existing flooding ($7,225–$10,100)
Sump Pump Installation Cost detail → $1,525–$2,975 Battery backup pump ($2,125–$3,825) or full drainage system with sump ($3,825–$6,800)
Crawl Space Encapsulation Cost detail → $10,100–$12,325 Dehumidifier, closed-cell rim joist foam, and full premium scope ($14,875–$20,400)
Insulation Replacement $2,375–$5,525 Spray foam on foundation walls, closed-crawl approach ($3,825–$7,650)
Mold Remediation $1,525–$3,825 Full-area remediation paired with encapsulation or drainage to fix the source ($5,525–$10,100 combined)
Basement Waterproofing $7,225–$15,300 Dual sumps, large dehumidifiers, and finish replacement ($17,000–$25,500)
Foundation Waterproofing $15,000–$38,000 Hillside lots with shoring, deep excavation, or difficult access (beyond $38,000)

Prices assume a damp 1,200 to 1,500 sq ft Portland-metro crawl space with standard access. See the wet crawl space scopes and the cost drivers below for how your situation shifts these ranges.

Want one service taken apart? 4 services have a full cost breakdown of their own — vapor barrier cost, crawl space waterproofing cost, sump pump cost and crawl space encapsulation cost — each with what the scope includes, what moves it within its range, and where it ends and the next, more expensive scope begins.

Modelled estimates, last reviewed . These ranges are built from scope, materials and Portland-market labour time — they are not drawn from a database of contractor quotes, and this site does not hold one. How these figures are produced →

Citing these figures, or want them as data? The same ranges are published as a structured dataset with the scope, basis and review date on every row, plus CSV and JSON downloads and a suggested citation form: the Portland Crawlspace Cost Index →

Is this for a house you are buying or selling? A range means something different mid-transaction, where the question is usually how much exposure sits behind one line of an inspection report. What an inspection finding does and does not establish, how to bound it as a buyer, and whether to repair before listing.

Already holding a quote? A range only tells you whether a number is unusual. What separates two Portland bids is almost always scope and paperwork, not price — the crawl space bid checker runs a quote against the line items a scope should name and against what Oregon and Washington law require the contract itself to contain. Not at that stage yet? Crawl space contractors in Portland covers how the matching works and what to check before you hire.

Water Under the House

Wet Crawl Space Repair Cost

A wet crawl space is rarely one line item. What it costs depends on where the water comes from and how far the fix has to go — from moving roof water away from the foundation, through a drain and sump, to a sealed crawl space built on top of working drainage. If water is under the house right now, start with the standing water diagnosis; after a flood, what to do first comes before any of these prices.

The scopes, and what each costs

Each band is built only from rows and add-ons already published in the table above, for the same reference project — 1,200 to 1,500 square feet of crawl space floor, damp but without standing water at the time of the quote, reached through a standard exterior or interior hatch with roughly 3 feet of working clearance — so it carries every assumption and limitation on the methodology page.

Wet crawl space repair scopes and their modelled 2026 Portland cost, composed from the published price rows
Scope Built from Modelled range Fits when
Keep roof and surface water away Exterior downspout rework or regrading $675–$2,125 Quoted on its own, separately from any interior drainage. Often the first thing to try. Water shows up during and just after storms, then recedes; downspouts empty beside the foundation or the ground slopes toward the house.
A sump pump where drain lines already feed a basin Sump Pump Installation $1,525–$2,975 With a battery backup pump: $2,125 to $3,825. A drain already collects water to a low point, but the pump is missing, undersized or has failed.
Drain, sump and ground cover as one scope Crawl Space Waterproofing $3,825–$6,800 This is the crawl space waterproofing row: interior perimeter drain, sump and discharge, crack repair where cracks are the entry path, and a vapor barrier. Hillside lots with long discharge runs, or a space that already floods: $7,225 to $10,100. Water seeps in at the footing through the wet season. The usual answer for a wet Portland crawl space.
Interior drainage plus a curtain drain uphill Crawl Space Drainage + Curtain drain on a hillside lot $5,950–$11,900 Complex systems with several interceptors and long discharge runs are priced as the drainage row’s premium band, $7,225 to $13,600. A hillside lot where groundwater moves downhill toward the house and the interior drain alone cannot keep up.
Drainage first, then a sealed crawl space Crawl Space Drainage + Crawl Space Encapsulation $13,925–$19,125 The encapsulation row excludes drainage and says it comes first, so the two are added. The liner replaces a separate vapor barrier, so none is added. Liquid water is getting in, and you want the space closed and conditioned rather than vented.
Drainage, a sealed crawl space and a dehumidifier Crawl Space Drainage + Crawl Space Encapsulation + Crawl space dehumidifier, supplied, installed and wired $15,200–$21,675 Supply air from an accessible furnace is sometimes the cheaper conditioning method; the dehumidifier figure includes the electrical work to feed it. As above, with a dehumidifier as the conditioning method.

Then, if the water has already done damage

Found at inspection and added on top of whichever scope fits. Never pre-summed here, because a wet crawl space may need none of these, one, or all three, and only someone under the house can say which.

  • Insulation Replacement $2,375–$5,525 Wet or collapsed batts out, new insulation in.
  • Mold Remediation $1,525–$3,825 Containment, removal and treatment of affected framing.
  • Wood rot repair, per location $350–$1,275 One bay, post or section of sill; not a structural repair range. For joists, girders and posts, see crawl space structural repair.

How these were put together

  • Bands are added only where the rows say the parts are separate jobs. The encapsulation row excludes drainage and says it is priced separately, so drainage plus encapsulation is a sum of two published rows. Where one row already names another’s work — crawl space waterproofing includes a vapor barrier — that row is used as it stands and nothing is stacked on it, because stacking would price the barrier twice. The build refuses a bundle that breaks this rule.
  • A sum is this page’s arithmetic, not a separately modelled figure. It prices each part as if bought on its own. One crew doing both in one mobilisation may quote below the sum, and a quote that does is not thereby suspicious.
  • Drainage and crawl space waterproofing share a band on purpose. The methodology treats them as overlapping scopes built around the same drain-and-sump core, and the crawl space waterproofing cost breakdown explains how to tell which one a quote is actually for.
  • The ground cover matters even under a drain. A drain moves liquid water; it does nothing about moisture evaporating from bare soil. If a drainage quote leaves the soil uncovered, ask whether a ground cover is meant to follow and on what terms: the vapor barrier cost breakdown shows what a properly terminated standalone barrier involves, and the encapsulation cost breakdown what sealing the whole space adds.

How size and water move the price

The reference project is a mid-sized crawl space that is damp when the contractor looks at it. Change either and the calculator on this page changes the number, in two different ways: size scales the whole band, while water standing at the time of the quote adds a flat amount for the extra preparation. The table below is exactly what the calculator returns for its “Waterproofing” option — the drain, sump and ground cover scope — with every other answer at the reference setting: easy access, insulation in good condition, one to three months out.

Calculator output for the drain, sump and ground cover scope by crawl space size and water condition
Crawl space size Size vs reference Damp, some moistureWet, pooling waterStanding water present
Under 500 sq ft ×0.58 (42% below) $2,200–$3,900$2,900–$4,600$3,900–$5,600
500–1,000 sq ft ×0.77 (23% below) $2,900–$5,200$3,600–$5,900$4,600–$6,900
1,000–1,500 sq ftReference project ×1.00 (the reference size) $3,800–$6,800$4,500–$7,500$5,500–$8,500
Over 1,500 sq ft ×1.23 (23% above) $4,700–$8,400$5,400–$9,000$6,400–$10,100
  • Why the reference row reads slightly differently from the table above. The calculator rounds to the nearest $100, so the published $3,825–$6,800 displays as $3,800–$6,800. That rounding is the only difference, and a build-time check fails the release if it is ever more.
  • The size brackets are coarse. There is no bracket above 1,500 sq ft, so a 2,500 sq ft crawl space gets the same multiplier as a 1,600 sq ft one. Well beyond 1,500 sq ft, treat the last row as a starting point, not an answer.
  • Area is a proxy for drainage. A perimeter drain follows the walls, not the floor, so a long, narrow footprint has more trench to dig than a square one of the same area. That is one reason two same-sized Portland crawl spaces can be quoted differently for identical work.
  • Access and old insulation add on top. Under 18 inches of clearance adds about $850, and wet insulation that has to come out first adds about $2,375, to any cell in the table.

Want the figure for your own crawl space? Run the calculator below with your size and conditions, or open the full-page cost calculator, which also explains how every adjustment is applied.

Cost Drivers

What Actually Moves the Price

These are the specific conditions that shift a quote up or down, with the dollar amount each one typically adds — the same adjustments the calculator applies, read from the same file, so this list and the calculator cannot disagree.

  • Square footage : Every range prices a 1,200 to 1,500 sq ft crawl space. The calculator scales the whole band for other sizes: about 42% lower under 500 sq ft, 23% lower at 500 to 1,000 sq ft, and 23% higher over 1,500 sq ft. It has no bracket above that, so a much larger space runs higher still.
  • Crawl height and access : Tight clearance adds roughly $425 in labor time; very low clearance, under 18 inches, adds roughly $850.
  • Standing water or moisture level : The ranges already price a damp crawl space, so damp and dry conditions add nothing. Water pooling at the time of the quote adds about $680, and standing water about $1,700, for the extra preparation before the main scope can start.
  • Insulation removal : Wet or rodent-damaged insulation that must be torn out and disposed of adds about $2,375; a crawl space with no existing insulation at all adds about $1,190.
  • Scheduling : An emergency start adds about $510 and a start within two weeks about $170, because a crew has to be moved off other work. Booking one to three months out, or planning ahead, adds nothing.
  • Discovered rot : Wood rot found on joists or rim boards once the old barrier or insulation comes out adds $350 to $1,275 per repair location. It cannot be seen until the space is opened up, which is why it can change a firm quote after work starts.
  • Vapor barrier grade : Oregon code sets a permeance class rather than a thickness, so heavier sheet is a durability choice, not a compliance one. A premium 20-mil cross-laminated barrier with wall coverage brings the vapor barrier line item to $4,675 to $6,375, against $3,225 to $4,425 typical.
  • Dehumidifier : A crawl space dehumidifier with the electrical work to run it adds $1,275 to $2,550 to an encapsulation project; supply air from an accessible furnace is sometimes the cheaper conditioning option instead.
  • Rim joist spray foam : Closed-cell spray foam at the rim joists adds $1,025 to $2,050 to an encapsulation project.
  • Hillside lots and drainage complexity : A curtain drain to intercept water moving downhill toward the house adds $2,125 to $5,100 to a drainage scope, and complex systems with several interceptors and long discharge runs reach $7,225 to $13,600 in total.
Portland Metro Context

Why Portland Pricing Looks the Way It Does

Portland’s rain is concentrated in the cool half of the year. At Portland International Airport the 1991–2020 normal is 36.92 inches a year, and 74% of it falls between October and March; the KGW-TV station inside city limits records 44.07 inches, so the figure depends on which side of town you are on. Most of a year’s water arriving in six months is the physical reason drainage and moisture control dominate the table above, rather than the repairs a drier climate would prioritize.

The soil does not help. USDA’s soil survey rates 25.1% of Portland’s mapped area as somewhat poorly to very poorly drained, and 54.5% of Gresham’s and 61.6% of Hillsboro’s. Portland’s figure is a floor rather than an estimate: another 50.9% of its mapped area carries no drainage rating at all, because the survey does not rate urban land or water, and of the land it does rate, 51% falls in those wetter classes. Water that gets under a house on poorly drained soil tends to stay there rather than soak away.

Housing age matters as much as the weather. In the City of Portland 45.3% of housing units were built before 1960, and the median year built is 1966. An older crawl space is the one most likely to need a full retrofit rather than a partial fix: the ground cover, if there ever was one, has had decades to fail, and the insulation above it has had the same decades to get wet. The census figures cover every housing unit, apartments included, and say nothing about foundation type, so they describe the stock rather than any one house.

Licensing also shapes who can quote you a number in the first place. Oregon requires an active CCB (Construction Contractors Board) license for anyone contracting for crawl space work; Washington requires an L&I registration, and the two don’t transfer across the Columbia River. Two different parts of Oregon’s Residential Specialty Code set the baseline, and they are worth keeping straight: R408 governs the under-floor space itself — either a vented crawl space with a Class I vapor retarder over the ground, or a sealed one with one of three conditioning methods — while floor insulation R-values come from the energy chapter, not R408. A quote that doesn’t meet the code baseline isn’t a bargain, it’s a project you’ll likely pay to redo.

Before You Sign

What a Proper Quote Should Include

A number without these details isn't a real quote yet - it's a guess. A licensed Portland-metro contractor's written quote should include:

  • A written, line-item scope of work - not a verbal number or a one-line estimate.
  • Materials specified by name and spec: mil thickness on the vapor barrier, R-value on insulation, pump horsepower, not just "vapor barrier" or "insulation."
  • Your crawl space square footage and clearance height noted, since both directly drive labor time.
  • Labor and materials broken out separately, so you can see what you’re paying for.
  • Permit status addressed if the scope requires one.
  • Warranty terms in writing, including what’s covered and for how long.
  • The contractor’s Oregon CCB or Washington L&I license number, so you can verify it yourself — it takes about two minutes and it is the single highest-value check in the whole process.
  • No pressure to sign the same day the inspection happens.
Scope

Basic, Standard and Complex Projects

The spread across this table is mostly scope, not one contractor being expensive. It helps to think in three tiers rather than one number. The tiers overlap because the scopes do: a hillside drainage job can cost more than a flat-lot encapsulation.

Basic

$1,525 – $4,425

One defined problem, one defined fix, no excavation: a standalone sump pump, a standalone vapor barrier, a contained mold cleanup. Typically one to two days on site.

Standard

$3,825 – $12,325

Water management plus moisture control together: an interior perimeter drain with a sump, or a full closed-crawl encapsulation. Interior trenching, several days on site, and the tier most Portland homes with a real crawl space problem land in.

Complex

$7,225 – $38,000+

Hillside drainage with several interceptors, a whole-basement system, or exterior excavation of the foundation. Heavier equipment, possible engineering, landscape restoration afterward, and the tier where a second opinion is worth the delay.

Two quotes that differ by thousands are usually quoting different tiers. The included-and-excluded table is the fastest way to work out which one you are holding.

Reference

What These Figures Assume, and What They Leave Out

The project being priced

  • Size: 1,200 to 1,500 square feet of crawl space floor
  • Condition: damp but without standing water at the time of the quote
  • Access: a standard exterior or interior hatch with roughly 3 feet of working clearance
  • Building: a single-family home on a continuous perimeter foundation

Excluded from every range

  • Permit fees, which vary by jurisdiction and are usually billed at cost
  • Structural repair of framing found to be rotten once the space is opened up
  • Asbestos or lead abatement, which requires separately licensed contractors
  • Electrical service upgrades where an existing panel cannot carry new equipment
  • Landscape or hardscape restoration after exterior excavation

Per-service inclusion and exclusion lists, the definitions behind terms like “encapsulation” and “Class I vapor retarder”, the limitations of these figures, and the revision history are all on the cost methodology page.

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Sources

The climate, soil and housing-age figures come from this site's published climate and housing dataset, which cites these federal surveys. The code, incentive and licensing sources establish what a compliant scope has to meet, what offsets part of it, and the overhead a legitimate Portland contractor carries; the two insurance regulators support the coverage answer below. None of them prices this work — no published source does for this metro, which is why the ranges above are modelled rather than cited.

  1. NOAA National Centers for Environmental Information, U.S. Climate Normals (1991–2020) — Annual/Seasonal and Monthly (normals-annualseasonal-1991-2020, normals-monthly-1991-2020) Open dataset Checked

    Every precipitation figure in the climate and housing dataset: annual and monthly precipitation normals, the average number of days per year at or above 0.10, 0.50 and 1.00 inches, and the completeness flag and years of record NCEI publishes alongside each value. Retrieved through the NCEI data access service.

    Note: A normal is a 30-year statistic for one instrument at one point, not a value for the surrounding city. NCEI publishes a completeness flag with every value and this site republishes it, because a station with 20 years of record and one with 30 are not equally strong evidence.

  2. USDA Natural Resources Conservation Service, Soil Survey Geographic Database (SSURGO), via Soil Data Access (muaggatt.drclassdcd — drainage class, dominant condition) Open dataset Checked

    The soil drainage columns: the share of each city’s mapped area whose dominant soil drainage class is somewhat poorly drained, poorly drained or very poorly drained, and the share carrying no drainage class at all. Computed by intersecting each Census place boundary with the SSURGO map units and area-weighting the result.

    Note: SSURGO assigns no drainage class to Urban land map units or to water, so the survey is least informative under exactly the dense older housing this site most often works on. The unrated share is published per city for that reason. Drainage class also describes natural soil in place — not the fill, the grading or the downspout run at any individual house.

  3. United States Census Bureau, American Community Survey 5-Year Estimates — Year Structure Built (B25034) and Median Year Structure Built (B25035) (ACS 2019–2023 5-year estimates, tables ACSDT5Y2023.B25034 and ACSDT5Y2023.B25035) Open dataset Checked

    The housing-age columns for every city in the climate and housing dataset: total housing units, median year built with its published margin of error, and the shares of units built before 1980, before 1960 and before 1950, each summed from the B25034 decade buckets. All eighteen places were re-pulled through data.census.gov on 2026-09-28: units, medians, margins and pre-1980 shares matched, and the column previously published as the pre-1950 share was found to hold the pre-1960 share and was corrected.

    Note: Survey estimates carrying sampling error, not a census of buildings. They cover ALL housing units in a place, apartments included, rather than single-family homes — and the ACS does not ask about foundation type, so nothing here identifies which units have a crawl space.

  4. Oregon Building Codes Division, 2023 Oregon Residential Specialty Code (ORSC) (2023 edition, based on the 2021 IRC) Checked

    Section R408 under-floor space requirements: ventilation openings and ratios for vented crawl spaces, Class I vapor retarder coverage and lap dimensions, and the three conditioning methods that permit an unvented crawl space: continuously operated mechanical exhaust or a conditioned air supply, each at 1 cfm per 50 square feet, or dehumidification sized in accordance with the manufacturer’s specifications (R408.3 item 2.3), which sets no pints-per-day figure. Also R408.2.4, which lists the six permitted ventilation-opening coverings and caps their least dimension at 1/4 inch — the figure that decides whether a code-compliant foundation vent screen excludes mice as well as rats.

    Note: Effective October 1, 2023 (construction provisions mandatory April 1, 2024). The 2026 edition took effect October 1, 2026. Under OAR 918-480-0005 this 2023 edition, apart from Chapter 1, stays adopted through March 31, 2027, and building departments must accept plans designed to either edition until then, so confirm which one a permit is reviewed under before relying on a section number. What did and did not change for crawl spaces is tracked at /oregon/2026-crawl-space-code-changes/.

  5. Oregon Building Codes Division, 2023 Oregon Residential Specialty Code, Chapter 11 — Energy Efficiency (2023 edition, based on the 2021 IRC) Checked

    Table N1101.1(1), the prescriptive envelope requirement for new construction, listing underfloors at U-0.033 / R-30. Table N1101.2, the existing-building component table that governs alterations and repairs, listing underfloor at U-0.028 / R-30 where nominal joist depth exceeds 10 inches and U-0.039 / R-25 where it is 10 inches or less. Section N1101.2.1, which applies this chapter to alterations affecting energy conservation measures, and its exception where existing constraints such as available cavity depth make compliance impractical. Section N1105.2, requiring new duct systems exposed to unconditioned spaces to be insulated to minimum R-8, and its exception releasing existing ducts from current standards when a furnace, air conditioner or heat pump is replaced.

    Note: Oregon Building Codes Division names this URL as the Chapter 11 code text on its residential energy compliance page. This is the 2023 edition, which stays adopted through March 31, 2027. The 2026 edition took effect October 1, 2026, and the board-approved energy chapter raises the existing-building underfloor rows to R-30 and R-38; this site has not yet read the published 2026 text — see /oregon/2026-crawl-space-code-changes/.

  6. Energy Trust of Oregon, Residential Incentive Information Sheet (Oregon and Washington) (Form PI 320I, version PI 0320I v2026.5 (rev. 260909), effective January 1, 2026) Checked

    Every 2026 incentive figure quoted on this site: per-square-foot amounts for floor and wall/rim joist insulation by occupancy type and by state, the R-11-or-less existing floor insulation threshold and the R-30 insulate-to target, the R-4-or-less wall and rim joist threshold, the 60-day submission deadline, the paid-in-full invoice requirement, and the list of participating utilities. One document carries both states: pages 1-6 are the Oregon sheet, pages 7-9 the Washington sheet, which is why the Washington figures cite the same form.

    Note: Energy Trust states incentives are subject to funding availability and may change. Confirm the current amount before budgeting around it. Washington-side floor insulation is an Energy Trust incentive for NW Natural-heated homes, not a NW Natural program - NW Natural’s own residential rebates cover furnace conversion, fireplaces, tankless water heaters and generators, and include no insulation measure.

  7. Energy Trust of Oregon, Insulation — Residential incentives Checked

    That Energy Trust publishes self-installation guidelines for floor insulation in its Specification Manual and strongly encourages anyone planning to self-install to schedule a call with an Energy Advisor first; that applications for contractor-installed work must be signed by the installing contractor; and the floor insulation conditions of existing insulation at R-11 or less, insulated to R-30 or greater or to fill the cavity.

    Note: The page does not set out every condition a self-installed project must meet. Confirm with Energy Trust before starting if the incentive matters to the budget; incentives are subject to funding and can change.

  8. Oregon Legislative Assembly, ORS 701.010 — Application of chapter (exemptions), and ORS 701.021 — Licensing requirement (2023 Oregon Revised Statutes) Checked

    That a person who undertakes, offers to undertake or bids work as a contractor must hold a current CCB licence (701.021); the owner exemption at 701.010(7) for a person performing work on property that person owns, whether occupied by the owner or not, or on that person’s own residence, which does not apply to work done in pursuit of an independent business with the intent of offering the structure for sale; and the narrow exemption at 701.010(4) for one structure or project where the aggregate price of all contracts is less than $1,000 AND the work is of a casual, minor or inconsequential nature — an exemption that does not apply to anyone who advertises or holds themselves out as a contractor.

    Note: The two conditions are conjunctive, and the advertising carve-out removes almost everyone a homeowner could actually hire. Elsewhere this site uses the ordinary shorthand that paid contracting work of $1,000 or more requires a licence; that shorthand is the practical consequence of this section rather than its text.

  9. Oregon Construction Contractors Board, Licensing Checked

    Surety bond amounts by licence endorsement, including the increase applied to every endorsement effective January 1, 2024.

  10. Oregon Division of Financial Regulation, Top 10 home insurance myths Checked

    Myth 1, that all water losses are covered: a pipe that bursts in the house is the division’s example of a covered water loss, but most homeowner policies exclude flood, including surface water; water or waterborne material that backs up through sewers or drains, for which most insurers sell limited coverage for an additional premium; and below-ground water, including water that exerts pressure on or leaks through a foundation. Also Myth 9: in a house left vacant, damage from frozen plumbing may not be covered unless heat is kept on or the pipes are drained.

    Note: The regulator’s consumer guidance, not policy language. Coverage is decided by the wording of the individual policy.

  11. Washington State Office of the Insurance Commissioner, Leaks, water damage and mold Checked

    That homeowner insurance usually does not cover damage from mold, fungi, rust or rot unless it results from covered water damage; that some insurers provide limited mold coverage, which may be added to a policy; and that gradual leaks, including water from a leaking foundation or cracks in walls, are typically not covered. Also that sudden and accidental leaks, burst pipes included, and frozen pipes where the home was properly heated, are usually covered if reported quickly and repaired as the insurer recommends; and the commissioner’s Consumer Advocacy line, 800-562-6900.

    Note: Washington’s regulator. Cited for the Clark County side of the metro and because Oregon’s regulator publishes no equivalent statement on mold; neither publishes a typical dollar limit.

Sources last checked between and ; the date beside each one is when it was last opened. Where a figure comes from a document that is revised on a schedule, the edition or version is named above so you can confirm it against the current one yourself.

Questions, Answered

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