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In the majority of cases, homeowners insurance will not cover a main sewer line root clog. The reason is that most insurance companies consider tree root damage to sewer lines as common wear and tear, which is also preventable. However, you may be able to buy optional add-on coverage, such as "service line coverage" or "sewer line endorsements," that would protect against root damage to your sewer line.

Main sewer lines can clog for several reasons. For example, if you regularly dump oil or grease down your drain, it could eventually block your line. Sometimes, tree roots can penetrate and grow inside old sewer pipes, creating a major blockage. Flushing bulky items (like paper towels, diapers, or baby wipes) can also clog your plumbing system.

Water leaking through your basement floor is a good sign of a clogged drain, but another sign of a clogged basement floor drain can include unpleasant odors coming from the drain. Also, hearing gurgling noises when water drains from the basement or having other plumbing fixtures (like toilets or other drains) backing up is a good indicator.

Some of the most common plumbing problems in mobile homes are frozen pipes, leaking pipes, clogged drains, and low pressure. Since the pipes in a mobile home aren’t as insulated as those in a standard build, they’re more susceptible to fluctuating temperatures and damage.