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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.

No, you should not see water in a sewer cleanout. If you do, it could indicate that you have a block or leak in your main sewer line—which can cause sewage to back up inside your home and potentially flood your yard. Your best bet is to call a local sewer cleaner if you notice any water or sewage around your cleanout.

Costs depend on clog severity, pipe condition, equipment required, and labor.

No, you typically cannot use metal detectors to find your sewer line. Most sewer lines are made of non-metallic materials such as PVC, clay, or cast iron, which are not detectable by standard metal detectors. Metal detectors are designed to locate metallic objects, so they won't be effective for identifying the path of a non-metallic sewer line. To locate your sewer line accurately, it's best to use other methods.