Some of us prefer not to think of such things and have to deal with unpleasant "surprises."
My insurance company considers this incident "normal wear and tear" and thus not something they are responsible for reimbursing. Well, I don't think it was an act of God! Surely, God has better things to deal with than abusing my sewage drains. I may convince them that replacing the pump was something that should be reimbursed, about half of the $1000 bill.