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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.

You may have a clogged gutter. Downspouts can also clog if your gutter collects too much debris. Hire a professional gutter cleaner, and if you still have problems, install a gutter guard (which prevents debris from entering your gutter system) and a downspout extension (which helps drain water further away from your foundation, so it doesn't pool near your house). Follow these tips to keep your gutter downspouts clean.

The cost to unclog a drain varies based on the location and severity of the clog. For simple clogs within your home, such as in a sink, toilet, or shower, hiring a plumber typically costs between $110 and $350, with an average of around $200. Snaking a toilet or sink usually costs between $110 and $275, while a bathtub or shower clog costs about $225.

For a more serious clog in the main sewer line, the cost is higher. Clearing a main line clog generally costs between $200 and $600, with an average of about $380. However, prices can range from as low as $100 for snaking a minor clog to over $1,600, particularly if advanced methods like video inspection and hydrojetting are needed for a large or hard-to-reach blockage. Some severe main line clogs can cost upwards of $1,000 to clear depending on factors like the cause of the clog, its distance from an accessible cleanout, and whether the pipe is located beneath an occupied space (e.g., in an apartment building). You may be able to save money on minor clogs by using a drain snake or bladder yourself.

Yes, sewage smells can originate from a floor drain. If the P-Trap in the floor drain dries out or if there's a clog or other issue in the plumbing system, sewer gasses can escape through the drain, causing nasty odors. Regularly pouring water into the drain helps maintain the water seal and prevent those smells, but if the smell persists, you should have a plumbing professional inspect the drain for potential problems.