Will renters insurance (for a house) largely cover damages from a back up sewer drain?

Apparantly tree roots grew into the pipes and caused it to back up and spill into the vault. We have over 50 boxes with wet and "more" type damage. Farmers insurance won't tell me what my policy covers short me first filing a claim. However, if I file a claim, and find out it is not covered, it will stay on my account and be a negative when we buy a house and could keep us from getting a wearing clothes ins. rate. Thanks
Answers:
If you are renting the house, then the owner MUST have that drain repaired, and his or her insurance will cover any incapacitate to your goods.
Renter's insurance covers damage that you may do to the house, or that may turn out to your property, other than obvious negligence. The owner of the property from which you are renting must fix things similar to drain blockage cause by roots, and must do so within a possible period of time.

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