I think the septic tank field lines or a clogged drain pipe caused the problem. Your landlord should have insurance to cover the damage. The landlord will have to prove that you were negligent and that is what caused the flood damage. If sewage backed up the septic tank was probably full. What would cause that are field lines that are damaged or a full sewage tank. I donā??t see how it could be your fault but you know how the legal system is. Be careful what you say in court because they will use anything you say against you.
I will give an example: if the wiring heated up because you used a heater and the landlord sued you, I don't think the landlord would win because electrical wiring is supposed to be protected by circuit breakers. The landlord would have to prove that you were negligent.
Sewage is never supposed to back up from a drain unless there is a problem with the sewage system.
