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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.

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.

Unlike regular cleanings, snaking your sewer line should be done as needed. There’s no reason to snake your sewer line if you don’t have any noticeable issues, like slow drainage or plugged drains. You can add it to your regular sewer cleaning checklist as a prevention method (on the same 18- to 22-month schedule), but it’s not always necessary. 

You should hire a sewer service professional to unclog a main sewer line with tree roots. Tree roots can grow into the main sewer line, and this problem requires a specialized hydro jet, or rooter, that is powerful enough to clear the roots. The tree can also damage the main sewer line, and a professional will need to make repairs or replace the damaged sections. Sewer line replacement costs about $60 to $250 per linear foot.