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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.

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. 

First, find the cleanout pipe in your yard. Unscrew the cap—you may need a wrench to do so. Then, get a drain snake. You can use a non-motorized one, but a motorized snake will make the job a little easier. Feed the snake through the pipe until it reaches the clog. Spin the snake continuously, but don’t try to feed it through the pipe anymore. Keep spinning until you feel it break the clog apart.

Sewer gas in any location can cause eye and respiratory irritation if you’re exposed at low levels, or more severe symptoms if you’re exposed at high levels—but fortunately, the fresh air outside means it’s less likely to affect your physical health. However, sewer smells outside can still indicate significant plumbing problems that will need to be dealt with, such as a potentially damaged sewer line or roof vent pipe.