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You should hire a sewer service professional to unclog a main sewer line with tree roots. Tree roots can grow into the main sewer line, and this problem requires a specialized hydro jet, or rooter, that is powerful enough to clear the roots. The tree can also damage the main sewer line, and a professional will need to make repairs or replace the damaged sections. Sewer line replacement costs about $60 to $250 per linear foot.

It's advisable to have your sewer line inspected every three to five years to ensure its proper functioning and detect any potential issues early on. However, the frequency of inspections can vary based on factors such as the age of your sewer system, the type of pipes used, and your property's location. If you notice any warning signs like slow drains, foul odors, or sewage backups, it's essential to schedule an inspection promptly, regardless of the regular maintenance schedule. 

In the majority of cases, homeowners insurance will not cover a main sewer line root clog. The reason is that most insurance companies consider tree root damage to sewer lines as common wear and tear, which is also preventable. However, you may be able to buy optional add-on coverage, such as "service line coverage" or "sewer line endorsements," that would protect against root damage to your sewer line.

Ejector pumps can only push sewage 750 feet or less. That’s because their purpose is to move waste from your home to your sewer line—which is a relatively short distance. Grinder pumps can transport sewage further, but they manage lower volumes of waste than ejector pumps (and they don’t work with septic systems).