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Yes, rats can come up through drains. They can crawl through basement floor drains, lateral house drains, and roof drains. Installing rat blockers in your drains is the best way to repel rats and prevent them from entering your pipes. These are one-way valves that allow water and waste to flow out but keep rats from getting in.

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 the toilet is overflowing but there’s no clog, that’s a sign that the issue is deeper in the system, and plunging may not help. A blockage in your home’s plumbing, the plumbing vent, or even city sewer lines can cause toilets to overflow. The issue could also be the toilet itself if the filler float isn’t set to the correct height or if parts are damaged or worn out.

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.