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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.

You could be smelling sewer gas in your kitchen because of a dry P-trap, clogged vent pipe, or leaking plumbing seals. If you smell a rotten egg odor, check your sink’s P-trap and plumbing connections first. A clogged or damaged vent pipe can trap sewer gas and push it back into your kitchen through the plumbing pipes. Loose or deteriorated seals around drainpipes can also allow sewer gas to leak out. If you can’t find the source, call a local plumber for expert help.

That pungent rotten egg smell coming from your drain is likely the buildup of biofilm—hair, skin, and soap scum that turns into a black sticky mess. In this case, pouring down near-boiling water, baking soda, and white vinegar will remove the smell. Keep in mind that a rotten egg smell is occasionally a sign of larger sewage line clogs and other related issues.

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.