Q: Does homeowners insurance cover sewer backup?

• <div><p>Homeowners insurance usually doesn&rsquo;t cover sewer backups because it&rsquo;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&rsquo;s the case, your policy should cover any resulting damage.</p></div>

Question 1

What can be used to dissolve hair in a drain?

Accepted Answer

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While some chemical drain cleaners with hydrochloric acid can dissolve hair, this method is not recommended as it can also destroy your plumbing pipes. A common DIY alternative is using baking soda and vinegar, which can help break down the clog but will not actually dissolve the hair. The best and safest method for clearing a hair clog is to remove it manually. You can use a drain snake, a straightened wire hanger with pliers to fish out the clog, or have a plumber use a professional auger for more severe blockages.

Question 2

Does homeowners insurance cover sewer backup?

Accepted Answer

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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.

Question 3

How long does a sewer inspection take?

Accepted Answer

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Your sewer pro will take about an hour to complete your sewer line camera inspection. However, if your home does not have cleanout access and the pro needs to remove the toilet to access the sewer line, the time to completion will take longer. Note that this estimated time does not include the time for repair, drain cleaning, or any other services you may need.

Question 4

How often should you snake your sewer line?

Accepted Answer

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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.

Question 5

Should you see water in a sewer cleanout?

Accepted Answer

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No, you should not see water in a sewer cleanout. If you do, it could indicate that you have a block or leak in your main sewer line—which can cause sewage to back up inside your home and potentially flood your yard. Your best bet is to call a local sewer cleaner if you notice any water or sewage around your cleanout.