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In the majority of cases, homeowners insurance will not cover a main sewer line root clog. The reason is that most insurance companies consider tree root damage to sewer lines as common wear and tear, which is also preventable. However, you may be able to buy optional add-on coverage, such as "service line coverage" or "sewer line endorsements," that would protect against root damage to your sewer line.

Knowing the signs can alert you to a clogged drain line. Clogs cause slow drainage or cause no drainage (if there’s a complete blockage). You may also notice foul odors, gurgling noises, water backing up in other appliances on the same line, or a poorly flushing toilet. If you experience any of these issues and think your line might be clogged, call a plumber.

Main sewer lines can clog for several reasons. For example, if you regularly dump oil or grease down your drain, it could eventually block your line. Sometimes, tree roots can penetrate and grow inside old sewer pipes, creating a major blockage. Flushing bulky items (like paper towels, diapers, or baby wipes) can also clog your plumbing system.

Common drain issues include slow-running drains, whether in a sink or shower, clogged drains, a bad smell, and water backing up into a sink, shower, or bathtub. Causes range from hair, grease, roots, or toilet paper clogging the drainpipes to flooding outside the home, which prevents sewer lines from draining properly.