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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.

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.”

It can take anywhere from half an hour to a few hours to fix a main line clog, depending on the cause and severity of it. The job should not take more than a day to complete. Keep in mind that the main line is not the same as your home’s sewer lines (which connect to the main line and run to your house). Your city is responsible for any clogs or damage to the main line itself.

Cat pee has a strong ammonia-like smell, so if you smell cat pee but don’t have a cat or don’t suspect your cat has any accidents, there could be other issues at hand. Aside from pet urine, your house may smell like cat pee from leaking freon from an old fridge, mold, spilled cleaning supplies, or even outside odors from nearby farms.