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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.

Simple blockages can be cleared using household plungers or manual snakes, provided no severe plumbing issues exist.

Yes, hiring a drain cleaner is worth it, especially when compared to the cost of not being able to use a sink, shower, toilet, or bathtub and the potential damage that flooding can cause in your home. You might try a temporary drain cleaning liquid or snaking it yourself, but if the clog is out of reach or these methods do not work, then hiring a professional drain cleaner is the way to go.

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.