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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.

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.

You could be smelling sewer gas in your kitchen because of a dry P-trap, clogged vent pipe, or leaking plumbing seals. If you smell a rotten egg odor, check your sink’s P-trap and plumbing connections first. A clogged or damaged vent pipe can trap sewer gas and push it back into your kitchen through the plumbing pipes. Loose or deteriorated seals around drainpipes can also allow sewer gas to leak out. If you can’t find the source, call a local plumber for expert help.

If you’re wondering whether rats can come up the toilet, the unfortunate answer is yes, it’s possible, though it’s extremely rare. These rodents are excellent swimmers and can travel through sewer pipes in search of food, and they may follow plumbing lines leading to your home if they’re drawn by the scent of scraps and waste. The toilet’s U-bend holds a small pocket of air, which can help a rat catch its breath before making its final push into your bathroom. While more common in cities with larger rat populations, this can happen anywhere with connected sewer systems; sealing entry points and keeping drains clean can help reduce the risk.