A number of things can lead to sewage issues. The main causes for a sewage backup are clogged sewer lines, tree roots that have grown into or around sewage pipes and old/damaged sewage lines.
A damaging sewer backup does fall under insurance, however, it completely depends on the situation, policy and what caused the backup in the first place. Our team can go over your insurance options for your individual case.
The immediate steps to take if you have a sewage backup after calling a professional, is to shut off your power if it is safe, put on protective clothing and evacuate the home until help arrives for your own safety.