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Yes, rats can come up through drains. They can crawl through basement floor drains, lateral house drains, and roof drains. Installing rat blockers in your drains is the best way to repel rats and prevent them from entering your pipes. These are one-way valves that allow water and waste to flow out but keep rats from getting in.

Knowing the signs can alert you to a clogged drain line. Clogs cause slow drainage or cause no drainage (if there’s a complete blockage). You may also notice foul odors, gurgling noises, water backing up in other appliances on the same line, or a poorly flushing toilet. If you experience any of these issues and think your line might be clogged, call a plumber.

Professional tools include drain snakes, hydro jets, cameras for line inspection, and enzymatic or chemical cleaners for dissolution.

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.