How could a sewer backup affect me?

If the backup occurs in a city maintained line, the wastewater will overflow out of the lowest possible opening. Unfortunately, this may be a residential home or business especially those with basements, or where the lowest level is even with the sewer lines - the overflowing wastewater may exit through the home’s lower drains and toilets.

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1. What causes a sewer backup?
2. Is there anything I can do to prevent a sewage backup into my home?
3. How could a sewer backup affect me?
4. What should I do if sewage backs up into my home?
5. If I call the city, what will they do about a sewer backup onto my property?
6. What does the municipality do to prevent this problem?
7. Will insurance cover any damage to my home or property?
8. How and where should I report a sewer backup?