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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.

The cost to repair a main sewer line clog is about $3,110 on average. The average cost range is  $1,310 to $4,950, but it can go as low as $215 and as high as $9,300 or more. The cost factors for this repair include the severity of the clog, pipe accessibility, video inspection, removal method, permits, pipe material, labor rates in your area, and time of year. Repairs made from outside during the winter can be more difficult due to the frozen ground or during the spring if the ground is saturated from a lot of rain and snow melt.

In most cases, drain cleaners will not clear a clogged sewer line, and they’re likely to damage your plumbing. Sewer lines are several inches wide, meaning any material that clogs it will need to be large. Drain cleaner can work on small clogs, but it usually won’t clear a larger one in a sewer main. Drain cleaners can also easily damage and corrode your plumbing with prolonged contact, and a clog will keep the cleaner in contact with the pipes for an extended period. Hire a professional sewer cleaner instead for a safe fix.

There are many things that could cause your basement floor drain to back up. One significant cause of a drainage backup is flushing non-flushable items, such as wipes, paper towels, and facial tissue. Other causes of a backed-up basement floor drain include tree roots impeding the drain pipe or an accumulation of hair, oil, and grease.