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It’ll take 20 to 30 minutes to unclog a sewer line using a drain snake or drain cleaner. If you hire a professional, you should expect them to be on-site for three hours or less. In addition to clearing the clog, they’ll do other routine inspections, which adds to the overall time (and cost) required.

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.

If you’re wondering whether rats can come up the toilet, the unfortunate answer is yes, it’s possible, though it’s extremely rare. These rodents are excellent swimmers and can travel through sewer pipes in search of food, and they may follow plumbing lines leading to your home if they’re drawn by the scent of scraps and waste. The toilet’s U-bend holds a small pocket of air, which can help a rat catch its breath before making its final push into your bathroom. While more common in cities with larger rat populations, this can happen anywhere with connected sewer systems; sealing entry points and keeping drains clean can help reduce the risk.

Sewer gas in any location can cause eye and respiratory irritation if you’re exposed at low levels, or more severe symptoms if you’re exposed at high levels—but fortunately, the fresh air outside means it’s less likely to affect your physical health. However, sewer smells outside can still indicate significant plumbing problems that will need to be dealt with, such as a potentially damaged sewer line or roof vent pipe.