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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.

Outdoor plumbing issues are no less serious or urgent to fix than interior plumbing problems. These problems may require excavation and lawn repair due to the plumbing often being buried underground. The most common outside plumbing problems include:

• Clogged landscape drainage: $200–$1,000

• Clogged sewer lines: $60–$250 per linear foot

• Corroded or rusted pipes: $1,500–$15,000+

• Leaking drain lines: $200–$1,000

• Leaking water mains: $300–$4,000+

• Septic system failure: $600–$3,000+

• Tree roots in pipes: $200–$1,000

• Well pump failure: $350–$1,500

While some chemical drain cleaners with hydrochloric acid can dissolve hair, this method is not recommended as it can also destroy your plumbing pipes. A common DIY alternative is using baking soda and vinegar, which can help break down the clog but will not actually dissolve the hair. The best and safest method for clearing a hair clog is to remove it manually. You can use a drain snake, a straightened wire hanger with pliers to fish out the clog, or have a plumber use a professional auger for more severe blockages.

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.