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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.

Common drain issues include slow-running drains, whether in a sink or shower, clogged drains, a bad smell, and water backing up into a sink, shower, or bathtub. Causes range from hair, grease, roots, or toilet paper clogging the drainpipes to flooding outside the home, which prevents sewer lines from draining properly.

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.

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.”