Get matched with top sewer cleaners in Lagrange, WY

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.”

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.

Sometimes, the drain is just too clogged—thanks, stubborn hair and soap scum. In this case, you’ll need a more powerful drain cleaner than you can DIY safely at home. But this doesn’t mean you have to choose a traditional drain cleaner. 

You can find biodegradable drain cleaners at your local home improvement store or online for those drains that need a little more oomph. 

While on the hunt for a formidable drain cleaner, the best options are non-chemical clog solutions that combine enzymes and bacteria.