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There are many things that could cause your basement floor drain to back up. One significant cause of a drainage backup is flushing non-flushable items, such as wipes, paper towels, and facial tissue. Other causes of a backed-up basement floor drain include tree roots impeding the drain pipe or an accumulation of hair, oil, and grease. 

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.

Thankfully, it’s pretty rare to find a rat in your toilet. It’s more likely in larger cities with big sewer systems that can be feeding grounds for rats, but even then, you still shouldn’t fret. 

“I wouldn’t worry too much about rats coming up through the sewers,” Bradshaw says. “I’d say only one out of a thousand rodent customers we get actually have this problem. And of the 20 or some customers that have had this happen, they’ve all only had just one rat come up this way.”

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.