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There are many things that could cause your basement floor drain to back up. One significant cause of a drainage backup is flushing non-flushable items, such as wipes, paper towels, and facial tissue. Other causes of a backed-up basement floor drain include tree roots impeding the drain pipe or an accumulation of hair, oil, and grease. 

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.

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.

A two-way cleanout can help if there’s already a clog, but the best strategy to prevent one is by not rinsing grease, oil, or fat down your drains, not flushing or rinsing coffee grounds or egg shells down your drains, flushing only human waste and toilet paper (so no diapers, period products, bathroom wipes, or paper towels), and using drain guards on all of your drains.