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Some flushable wipes companies say they are designed to disintegrate within a few hours to a few days after being flushed. These wipes allegedly use materials that are more water-soluble than traditional wipes. However, many experts have raised concerns that even so-called "flushable" wipes do not break down as easily as claimed and can contribute to clogs and blockages in sewer systems.

To prevent plumbing and sewer problems, avoid flushing wipes, even those labeled as flushable. Instead, dispose of them in the trash. This can help prevent costly plumbing issues and reduce the strain on wastewater treatment systems.

Thankfully, it’s pretty rare to find a rat in your toilet. It’s more likely in larger cities with big sewer systems that can be feeding grounds for rats, but even then, you still shouldn’t fret. 

“I wouldn’t worry too much about rats coming up through the sewers,” Bradshaw says. “I’d say only one out of a thousand rodent customers we get actually have this problem. And of the 20 or some customers that have had this happen, they’ve all only had just one rat come up this way.”

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.

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.