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A clogged sewer line is not typically covered by homeowner’s insurance, though some sewer line issues are covered. For instance, damage related to a fallen tree is usually covered. Though sewer line replacement is not covered in a standard insurance policy, some companies offer add-ons for this purpose. Read the fine print before spending your own money.

It’ll take 20 to 30 minutes to unclog a sewer line using a drain snake or drain cleaner. If you hire a professional, you should expect them to be on-site for three hours or less. In addition to clearing the clog, they’ll do other routine inspections, which adds to the overall time (and cost) required.

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.

It is generally safe to stay in a house that smells like sewage for a short time, but you should get the problem fixed as soon as possible. While the level of sewer gas is usually low enough to only cause minor symptoms, prolonged inhalation can lead to headaches, nausea, or respiratory irritation. High levels of gas exposure can be more dangerous, and high concentrations of methane—a component of sewer gas—can pose an explosion risk in enclosed spaces. If you smell sewer gas in your home, ventilate the area and call a professional to locate, assess, and fix the problem, as it will not go away on its own.