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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.

There are many things that could cause your basement floor drain to back up. One significant cause of a drainage backup is flushing non-flushable items, such as wipes, paper towels, and facial tissue. Other causes of a backed-up basement floor drain include tree roots impeding the drain pipe or an accumulation of hair, oil, and grease. 

Never pour used motor oil down the drain. Doing so can have serious environmental consequences, including contaminating groundwater, endangering animals, and killing vegetation. It can also clog your pipes, causing backups in your plumbing or the wastewater treatment plant. In most places, pouring motor oil down the drain is illegal, whether you do it in your home or a storm drain.

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.