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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.

No, you should not see water in a sewer cleanout. If you do, it could indicate that you have a block or leak in your main sewer line—which can cause sewage to back up inside your home and potentially flood your yard. Your best bet is to call a local sewer cleaner if you notice any water or sewage around your cleanout.

Regardless of the drain cleaner type you choose to use, they all work through chemical reactions that create heat. Thanks to the heat, the clogged hair begins to dissolve until it is able to be flushed away. To avoid clogs in your drain due to hair, use hair catchers and empty them out after every shower.

Water leaking through your basement floor is a good sign of a clogged drain, but another sign of a clogged basement floor drain can include unpleasant odors coming from the drain. Also, hearing gurgling noises when water drains from the basement or having other plumbing fixtures (like toilets or other drains) backing up is a good indicator.