There are several potential sources of sewer backup

2/11/2021 (Permalink)

• Blockage of a city sanitary main:If the city main gets blocked, it may cause water to back up into your home through your pipes. 
• Aging sewer systems that require updates or repair. 
• Tree roots: When you have older pipes, sewer lines and water entry pipes, tree roots can find their way into the pipes and cause blockages. You can check for this problem on your own lines by having a plumber check your pipelines with a camera and do some basic preventative maintenance on your home. 
• City-related pipeline issues like combined pipelines or problems in the sanitary main: When the system you are using combines the sewage and stormwater into one pipeline instead of having a separate pipeline for each, these are combined pipelines. The system can get overwhelmed in a storm and the water can back up into your home. 
• Overflow or back-up of the drainage systems in your home. If your gutter systems or rainwater pipes are blocked or overwhelmed by debris or sudden water flow it may cause a back-up into your home. 

Sewer backup is not automatically included in most standard homeowner policies. You must add it to your policy by endorsement to make sure you're adequately protected.

https://www.thebalance.com/sewer-backup-overflow-water-damage-4103166

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