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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.

Some experts estimate that descaling your cast iron pipes can extend their lifetime by upwards of 50 years, although there’s not a lot of research to prove it. But we do know that without proper maintenance, cast iron pipes can quickly rust—leading to more expensive issues like burst pipes or main line clogs.

There are a few things that can happen to your sewer system if you don’t fix it. These include rainwater entering it and causing rust and corrosion, dirt and debris leading to blockages, small animals getting stuck inside and clogging your sewer line or entering your home, and shortening the sewer system’s life span. 

Without a cap, nothing prevents toxic and non-toxic gasses like methane and hydrogen sulfide from slowly escaping your sewer system and entering your home and the surrounding atmosphere, resulting in a foul sewer odor throughout your house.

There are several common signs that your main sewer line may be clogged. Key indicators include multiple fixtures in your home draining slowly, gurgling sounds coming from drains or toilets, and water backing up into showers, sinks, or toilets. You might also notice water backing up from the plumbing system's drain cleanout, water in your basement drain, or unexplained wet patches on your lawn. Foul odors, such as the smell of raw sewage or rotten eggs, are another common symptom. The most reliable way to confirm a main sewer line clog is to hire a professional plumber to perform a camera inspection.