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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.

Snaking a toilet is similar to clearing sinks and bathtubs, but there are unique circumstances where you’d have to drain, disassemble, and remove the toilet to fix the clog. For stubborn clogs in the toilet trap, a toilet auger—designed with a shorter cable and a protective plastic encasing—can navigate the tight bends and clear the clog without risking damage to the porcelain. 

It can take anywhere from one month to a couple of years for tree roots to grow back in sewer lines. Tree roots can cause extreme havoc on your sewer lines, potentially cracking them and causing untreated wastewater to make its way into the groundwater. Have a landscaping pro remove trees and roots before installing your system, or call a pro to do it retroactively as soon as you can.

The average cost to snake your main sewer line is around $250 for a simple snake. Most sewer line specialists charge between $45 and $200 per hour for main sewer line snaking, so the time involved plays a major role. The price you’ll pay will depend on the severity of the clog, the item causing the backup, how long it takes to remove the item, and more. A more severe issue that requires unclogging a main sewer line will cost $3,100 on average.