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This depends on the location of the blockage. If the blockage is in your home’s system, anywhere in the system, it is your responsibility as a homeowner. Blockages seldom happen because of items or buildup coming from the city, which means it originates in the home. It becomes the city’s responsibility at the exact point your home’s line distributes waste into the city’s system. The exception is if the problem in your home damages the city lines.  

In the majority of cases, homeowners insurance will not cover a main sewer line root clog. The reason is that most insurance companies consider tree root damage to sewer lines as common wear and tear, which is also preventable. However, you may be able to buy optional add-on coverage, such as "service line coverage" or "sewer line endorsements," that would protect against root damage to your sewer line.

Depending on the home, wastewater either goes into a septic tank and seeps back into the backyard or is sent via sewer system to a local sewage-treatment plant. Septic systems naturally separate different components of the waste so that it can naturally and safely disperse it. They are usually reserved for homes not served by a municipal sewage department (like rural homes). A treatment plant, on the other hand, speeds up that process through screening and purification.

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.