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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.

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.

If you’re not using a septic system, problems with your home’s plumbing won’t cause this—it’s a city problem. A large blockage in the municipal sewage lines may cause those lines to back up into your home. This is extremely unpleasant and can be a serious health risk due to bacteria and other contaminants. If this occurs, call a pro (or your city) immediately.

You should not attempt to snake your sewer yourself. Accessing and snaking your sewer requires heavy-duty equipment, and while renting is possible, misusing it can damage your sewer main and leave you with very expensive repair costs, not to mention potential environmental issues and severe water damage. Accessing your sewer also exposes you to hazardous sewer gasses, and failing to seal the sewer properly after work can be very dangerous. It’s always best to hire a professional sewer cleaner near you to handle this type of work.