Get matched with top sewer cleaners in Baxter, IA

A clogged sewer line is not typically covered by homeowner’s insurance, though some sewer line issues are covered. For instance, damage related to a fallen tree is usually covered. Though sewer line replacement is not covered in a standard insurance policy, some companies offer add-ons for this purpose. Read the fine print before spending your own money.

Common drain issues include slow-running drains, whether in a sink or shower, clogged drains, a bad smell, and water backing up into a sink, shower, or bathtub. Causes range from hair, grease, roots, or toilet paper clogging the drainpipes to flooding outside the home, which prevents sewer lines from draining properly.

While some chemical drain cleaners with hydrochloric acid can dissolve hair, this method is not recommended as it can also destroy your plumbing pipes. A common DIY alternative is using baking soda and vinegar, which can help break down the clog but will not actually dissolve the hair. The best and safest method for clearing a hair clog is to remove it manually. You can use a drain snake, a straightened wire hanger with pliers to fish out the clog, or have a plumber use a professional auger for more severe blockages.

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.