Imagine waking up to find raw sewage bubbling up through your shower drain. That’s an all too common example of a homeowner’s nightmare that can cost thousands in repairs and pose serious health hazards to your family.

At B. Carlson Plumbing, we’ve seen firsthand how sewer backups can transform from a minor gurgle to a full-blown emergency in just hours. Sewer backups happen when wastewater reverses direction and re-enters your home through drains, toilets, and fixtures. This problem goes far beyond mere inconvenience—it brings serious health risks from exposure to bacteria and pathogens, plus devastating property damage that can affect everything from flooring to family heirlooms. And while the causes of these backups vary widely across Albuquerque homes, our 50+ years of experience shows they often share common patterns that, when recognized early, can save you from a catastrophic cleanup.

Understanding Sewer Backup: What It Is and How It Happens

When a sewer line gets blocked or overwhelmed, wastewater has nowhere to go and ends up backing into your home through toilets, sinks, or showers. The result is messy, dangerous, and often expensive to manage.

Common Causes of Sewer Backup
- Tree root intrusion
  Roots from nearby trees can grow into underground sewer lines, cracking pipes and causing blockages that lead to backups.
- Improper disposal and clogged pipes
  Pouring grease down the sink or flushing wipes and paper towels can clog pipes and trigger a backup.
- Worn-out or damaged sewer lines
  Homes with older clay or cast iron pipes are more likely to have lines that crack, collapse, or corrode over time.
- Heavy rainfall that overloads the system
  Intense storms can overwhelm public sewer systems, pushing wastewater back into private homes.

Does Homeowners Insurance Cover Sewer Backup?

Sewer backups fall into a different category than most other water damage issues, and the coverage story often surprises homeowners.

Standard Policy Coverage Explained: Most homeowners insurance policies don’t automatically include sewer backup protection. Damage from burst pipes or leaks may be covered, but sewage entering from outside the home usually isn’t—unless you’ve chosen to add coverage. If you’re unsure, take time to read your policy or talk to your insurance agent.
Adding Sewer Backup Coverage: Insurance companies typically offer sewer backup coverage as an optional add-on. This coverage can pay for water removal, cleaning, and replacing damaged areas like floors or furniture. Costs to add the coverage usually range from $50 to $250 per year, depending on your location and the amount of protection you want. Many policies offer between $5,000 and $25,000 in coverage—enough to make a serious difference in an emergency.

The Costs of Fixing a Sewer Backup Without Insurance

When a sewer backup happens and you don’t have insurance, you’re responsible for every dollar of cleanup and repair. Homeowners in Albuquerque have learned just how expensive that can be.

Breakdown of Potential Expenses
- Cleaning up raw sewage requires fast, professional help. The most common costs include:
  - Cleanup and sanitation: Removing wastewater and disinfecting your home can cost between $2,000 and $10,000, depending on the size of the area and level of contamination.
  - Pipe repair or replacement: If a broken or collapsed pipe causes the issue, repairs typically cost between $3,000 and $6,000.
  - Property restoration: Floors, furniture, drywall, and other fixtures damaged by contaminated water often need to be replaced. For finished basements, restoration costs can go well beyond $10,000.
Average Cost Range
- At B. Carlson, we’ve seen the total cost of sewer backup repairs exceed $10,000. In more serious cases—especially when damage spreads across multiple rooms or isn’t noticed right away—costs can exceed $50,000.
Factors Influencing Repair Costs
- Several details affect the final price:
  - How severe the backup is: A single clogged drain is cheaper to fix than a backup affecting your entire plumbing system.
  - Location of the damage: Repairs cost more when the problem is under concrete slabs or behind walls.
  - Additional hazards: Mold, structural issues, or electrical damage can drive up costs quickly.

Preventing Sewer Backups and Minimizing Costs

Avoiding sewer backups starts with smart prevention. Instead of waiting for a problem to appear, staying ahead of issues can save time, money, and stress.

Regular Maintenance Is Key: Booking a yearly sewer inspection helps catch small issues before they turn into costly repairs. Our camera inspections let us see inside your sewer line to check for cracks, blockages, or deterioration. A quick cleaning or spot repair now can prevent a nasty surprise later.
Proper Disposal Practices: What goes down your drain matters. Avoid pouring grease into sinks or flushing wipes, paper towels, and hygiene products. These materials don’t break down and can clog your pipes over time.
Know How Long Your Sewer Line Should Last: Sewer lines don’t last forever. Older materials like clay or cast iron wear out, while newer PVC pipes are more durable but still need upkeep. Following ASHRAE guidelines and working with a licensed professional can help you plan ahead for when replacement makes sense.
Modern Solutions and Technologies: If your sewer line needs repair, trenchless methods like pipe lining or pipe bursting offer a faster, less invasive fix. These approaches minimize digging and avoid tearing up your landscaping, which helps reduce the total cost of sewer backup repair.

Who Is Responsible for Sewer Backups?

Responsibility depends on where the problem starts.

Homeowner vs. Municipal Responsibility: As a homeowner, you’re responsible for the section of pipe that runs from your house to the city’s main line, usually at the curb or street. If the problem exists in that zone, you’re the one paying for repairs. The city only handles issues on its side of the system.
Liability Considerations: If the backup is caused by a failure in the city’s sewer system, you might be able to file a claim. However, proving the city is at fault can be tough. Keep records, take clear photos of the damage, and contact your local utilities department right away. Fast action may improve your chances of reimbursement, though many homeowners still end up covering the costs themselves.

Should You Invest in Sewer Backup Insurance?

For New Mexico homeowners, adding sewer backup coverage can be a smart way to protect against steep repair bills.

Weighing the Pros and Cons
If your home has older plumbing, large trees nearby, or a finished basement, the risk of a sewer backup is higher. Extra insurance can give you peace of mind and help avoid out-of-pocket costs that can reach tens of thousands of dollars.
Cost of Insurance vs. Potential Expenses
Most sewer backup policies cost between $150 and $300 per year. That’s a small price compared to a repair bill of $15,000 or more. Even a modest policy can help cover cleanup and property restoration.
Making an Informed Decision
Contact your insurance provider and ask what your policy currently includes. Find out if sewer backup coverage or service line protection can be added. If your company doesn’t offer the right options, consider speaking with an independent agent who can shop around for plans that better suit your situation.

How B. Carlson Can Help Protect Your Home

We’ve been helping Albuquerque homeowners since 1971, and when sewer issues strike, our team knows exactly how to respond.

Expert Sewer Inspection and Maintenance Services
Our licensed technicians use camera inspections to spot cracks, clogs, and signs of wear inside your sewer line. Regular checkups can help prevent major damage and keep repair bills low. When you need repairs, we implement advanced solutions using trenchless technology to fix your sewer line without digging up your yard. These modern tools make repairs cleaner, faster, and more affordable than traditional methods.

B. Carlson Is Your Best Friend in Sewer Protection

With decades of experience and a long-standing reputation for quality work, we’re proud to be a trusted name in Albuquerque plumbing. Our team is friendly, professional, and focused on keeping your home safe and comfortable. As Your Best Friend in Home Services, we treat every home as if it were our own, providing personalized solutions that address your specific needs.

If you’re dealing with a sewer problem or want to get ahead of future issues, give us a call at 505-349-4409 or book online today. We’ll inspect your system, explain what we find, and recommend the best solutions to protect your home from costly damage. Remember, at B. Carlson, we’re not just fixing pipes—we’re safeguarding your home’s value and your family’s comfort.