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If the drain is frozen, the pipes connecting to the washing machine are likely frozen. If the hot water trick doesn’t also unfreeze the washing machine pipes, you can gently apply heat with a hair dryer on the lowest setting. Start at the end of the pipe closest to the faucet to prevent pressure from building in the pipes, and make sure the faucet is open to drain the water as it melts.

Your garbage disposal is not draining because it might have a clog due to food waste, a foreign object, grease, oil, fat, or it may have a broken motor. When water doesn't flush out of the disposal, that's a key sign that your disposal has a clog or needs repair. 

Flushing the toilet only to realize it’s clogged can cause anxiety. To avoid a clogged toilet, use less toilet paper. If you notice that the toilet is flushing and refilling slower than usual, you can use a plunger to clear clogs in the S-trap. If that doesn’t work, call a plumber to check your system and possibly clear the drain lines.

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.