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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.

Snakes can occasionally enter homes through shower drains, although it’s quite rare. This can happen when they follow sewer pipes or accidentally find their way into plumbing systems. To minimize the risk, consider installing drain covers or stoppers on your shower drains. Always keep drains closed when they’re not in use, especially in areas where snakes are known to be active.

If you don’t have a sewer cleanout, clearing out clogs can be extremely difficult. You would need to try to clear the clog from sink drains, but it can be harder to reach the clog all the way in the drain line. A sewer cleanout makes it much faster and easier for pros to clear clogs from your main sewer line.

In most areas, drain cleaning professionals don’t technically need a license, as they aren’t altering your plumbing system in any way. However, we recommend hiring a drain cleaning professional with a plumbing license and certification. Certified plumbers are more likely to provide professional solutions to drain clogs without damaging your system. They’ll also have the diagnostic tools and experience necessary to remove the clog entirely rather than providing a temporary solution, as a handyperson might. Use Angi’s state licensing tool to check your plumber’s professional licenses before hiring.