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

Sewer gas in any location can cause eye and respiratory irritation if you’re exposed at low levels, or more severe symptoms if you’re exposed at high levels—but fortunately, the fresh air outside means it’s less likely to affect your physical health. However, sewer smells outside can still indicate significant plumbing problems that will need to be dealt with, such as a potentially damaged sewer line or roof vent pipe.

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.

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.