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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.

Some flushable wipes companies say they are designed to disintegrate within a few hours to a few days after being flushed. These wipes allegedly use materials that are more water-soluble than traditional wipes. However, many experts have raised concerns that even so-called "flushable" wipes do not break down as easily as claimed and can contribute to clogs and blockages in sewer systems.

To prevent plumbing and sewer problems, avoid flushing wipes, even those labeled as flushable. Instead, dispose of them in the trash. This can help prevent costly plumbing issues and reduce the strain on wastewater treatment systems.

Regardless of the drain cleaner type you choose to use, they all work through chemical reactions that create heat. Thanks to the heat, the clogged hair begins to dissolve until it is able to be flushed away. To avoid clogs in your drain due to hair, use hair catchers and empty them out after every shower.

If your drain doesn’t have metal crosshairs or crossbars, you should use a tub drain extractor. These tools create a grip on the drain so you can turn it using a 1/2-inch ratchet drive, drain key, or wrench. Your drain may not have crosshairs if it's old and broken.