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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.

There are a few things that can happen to your sewer system if you don’t fix it. These include rainwater entering it and causing rust and corrosion, dirt and debris leading to blockages, small animals getting stuck inside and clogging your sewer line or entering your home, and shortening the sewer system’s life span. 

Without a cap, nothing prevents toxic and non-toxic gasses like methane and hydrogen sulfide from slowly escaping your sewer system and entering your home and the surrounding atmosphere, resulting in a foul sewer odor throughout your house.

The best practice is to clean the sewer drain lines in your home once a year or every two years. Older homes could require more frequent maintenance. Keeping up on cleaning your sewer lines can prevent severe clogs, help ensure your system is working properly, and prevent expensive repairs.

Some flushable wipes companies say they are designed to disintegrate within a few hours to a few days after being flushed. These wipes allegedly use materials that are more water-soluble than traditional wipes. However, many experts have raised concerns that even so-called "flushable" wipes do not break down as easily as claimed and can contribute to clogs and blockages in sewer systems.

To prevent plumbing and sewer problems, avoid flushing wipes, even those labeled as flushable. Instead, dispose of them in the trash. This can help prevent costly plumbing issues and reduce the strain on wastewater treatment systems.