Septic System Breakdown, Is It Covered?

I have a client whose septic system seems to have been damaged by an unknown reason. They had the septic tank cleaned just 3 weeks ago, but today they found out it got filled again. Apparently the septic tank is fine but the leach line is damaged or something. It doesn't seem like it is caused by "wear and tear" or is a maintenance thing. What is the chance that the Farmers Next Gen policy in California will cover this loss? Will they at least pay for the loss of use since it may take 2 months to repair/replace the system.

Thank you in advance and sorry if I posted this in the wrong area (

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