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Most blockages can be cleared in 1-3 hours, but severe issues may take longer.

If the toilet is overflowing but there’s no clog, that’s a sign that the issue is deeper in the system, and plunging may not help. A blockage in your home’s plumbing, the plumbing vent, or even city sewer lines can cause toilets to overflow. The issue could also be the toilet itself if the filler float isn’t set to the correct height or if parts are damaged or worn out.

Homeowners insurance usually doesn’t cover sewer backups because it’s typically an avoidable problem with proper maintenance. The only exception would be if the backup is occurring because of local flooding and only if your city uses a combined drainage system for stormwater and sewage. If that’s the case, your policy should cover any resulting damage.

Thankfully, it’s pretty rare to find a rat in your toilet. It’s more likely in larger cities with big sewer systems that can be feeding grounds for rats, but even then, you still shouldn’t fret. 

“I wouldn’t worry too much about rats coming up through the sewers,” Bradshaw says. “I’d say only one out of a thousand rodent customers we get actually have this problem. And of the 20 or some customers that have had this happen, they’ve all only had just one rat come up this way.”