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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.  

Yes, hiring a drain cleaner is worth it, especially when compared to the cost of not being able to use a sink, shower, toilet, or bathtub and the potential damage that flooding can cause in your home. You might try a temporary drain cleaning liquid or snaking it yourself, but if the clog is out of reach or these methods do not work, then hiring a professional drain cleaner is the way to go.

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.

Your sewer line can get grimy quickly. To prevent sludge buildup in your sewer line, pour a mixture of 1/3 cup of vinegar and 1/3 cup of baking soda down each drain in your home once a month. After about 30 minutes, flush the drain with hot water.

Some plumbers recommend 3/4 cup of bleach instead to clean any germs and bacteria that may build up in your sewer line. But this won’t break down any active clogs, and it cannot be combined with vinegar, as the mixture will create a toxic, hazardous gas.