Toilet Clogged and Overflowed/ Sewer Backup- Remedy/Cost/How to

[Mak K.]

Tenant was not at home and came at night. They told me that two toilet downstairs overflowed and sewer water is in the rooms. I am still waiting on photos and details.

I have Insurance at $3.5k deductible. Tenant also has renters insurance. I stay away from the property so do not have access physically.

1> How do I investigate and find out if it was tenant fault they clogged the toilet or a natural cause.

2> What is approx. cost to clean the lines and clean the carpets? Is it more than my deductible?

3> I have a home warranty ($70 Service fee) which covers clogged toilet. Should I open Home warranty first or open the insurance claim with mine or renters? Will insurance send the person to investigate the issue?

Newbie here so need guidance as I am running out of time.