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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.

If you leave liquid drain cleaner for too long, it will start breaking down your drainpipes. The chemicals in these cleaners can cause cracks, corrosion, and leaks in your pipes. They can also damage plumbing fixtures and even cause environmental damage if left too long without rinsing away.

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.

In most cases, drain cleaners will not clear a clogged sewer line, and they’re likely to damage your plumbing. Sewer lines are several inches wide, meaning any material that clogs it will need to be large. Drain cleaner can work on small clogs, but it usually won’t clear a larger one in a sewer main. Drain cleaners can also easily damage and corrode your plumbing with prolonged contact, and a clog will keep the cleaner in contact with the pipes for an extended period. Hire a professional sewer cleaner instead for a safe fix.