I have a 48 year old pier and beam home. I had floor heaters at one time but they have been disconnected - not removed. I noticed water in one of the space and it smelled of sewer or stagnated water. A friend that lived here 3 years ago said he noticed it then. I used a sump pump to remove water and no ticed it still filling up and when I flushed a toilet it rushed into this "hole" under the floor. I think it is a broken sewer line - is this an expensive repair? I don't think the insurance will cover it because they only cover damages done by the leak and not to fix the leak itself. There really is not much damage except the smell and that should go away when the line is fixed. I turned of the toilet going to this area. I have had problems with this toliet backing up even after snaking it. Is there an inexpensive fix or is this major?